EX-99.1 4 efc19-464_ex991s3.htm SCHEDULE 3 - EXCEPTION GRADES
Exception Grades
Run Date - 7/8/2019 3:28:37 PM

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 Applying Party 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
203210022 22985466 1128030419 6253768 22985466-4922 04/20/2018 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: WILDFIRES Disaster Declaration Date: 06/19/2002 Disaster End Date: 08/06/2002       Reviewer Comment (2018-05-09): Loan was approved with PIW , issue cleared. Reviewer Comment (2018-05-03): Seller states Loan was underwritten to AUS with PIW - no appraisal required application date 1/31/2018 and previous disaster date 6/16/2002.Per the DU Feedback, this property is eligible for a Property Inspection Waiver and no appraisal is needed. Per Fannie Mae, For a PIW to be considered, a prior appraisal must be found for the subject property in Fannie Mae's Collateral Underwriter (CU) data. DU will compare the address for the subject property to the property addresses found in CU. In some cases, the prior appraisal may not be acceptable. For example, if a CU Overvaluation Flag was issued on the prior appraisal or the appraisal could not be scored, that prior appraisal will not be used, and a PIW will not be offered on the new loan casefile. For a PIW to be considered for a purchase transaction, it is not a requirement that the prior appraisal be associated with one of the borrowers. All other requirements listed above Based on this explanation as well as the disaster end date being from 2002, Fannie Mae has an appraisal on file for this property, which is most likely after 2002 since the mortgages being paid off on the subject property were taken out in 2016 and deemed the value acceptable. Defer to buyer for final Disposition. Seller Comment (2018-05-03): Per the DU Feedback, this property is eligible for a Property Inspection Waiver and no appraisal is needed. Per Fannie Mae, For a PIW to be considered, a prior appraisal must be found for the subject property in Fannie Mae's Collateral Underwriter (CU) data. DU will compare the address for the subject property to the property addresses found in CU. In some cases, the prior appraisal may not be acceptable. For example, if a CU Overvaluation Flag was issued on the prior appraisal or the appraisal could not be scored, that prior appraisal will not be used, and a PIW will not be offered on the new loan casefile. For a PIW to be considered for a purchase transaction, it is not a requirement that the prior appraisal be associated with one of the borrowers. All other requirements listed above Based on this explanation as well as the disaster end date being from 2002, Fannie Mae has an appraisal on file for this property, which is most likely after 2002 since the mortgages being paid off on the subject property were taken out in 2016 and deemed the value acceptable. Reviewer Comment (2018-04-26): Most recent declared disaster date 6/19/2002 - no appraisal or inspection in file of the property after date. Exception remains. Seller Comment (2018-04-26): Property is located in the county of Denver which does not have any recent disaster declarations. 05/09/2018     1 A 03/09/2018 CO Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203210022 22985466 1128030419 6254040 22985466-4863 04/20/2018 Compliance Compliance Federal Compliance TRID Invalid Section A Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 03/08/2018 reflects a Paid To party other than to lender or broker for fee within Origination Charges. (Final/03/08/2018) There is a party listed for the processing fee that is not the lender and there is no broker listed.     Reviewer Comment (2018-05-17): Goldman elected to waive the exception Reviewer Comment (2018-05-11): Section A (Origination Charges) are for fees paid to creditor or third party loan originator (Broker). Processing fee paid to a third party borrower cannot shop for should be listed in Section B pursuant to 1026.38(f)(2) (2) Services borrower did not shop for. Under the subheading Services Borrower Did Not Shop For and in the applicable columns as described in paragraph (f) of this section, an itemization of the services and corresponding costs for each of the settlement services required by the creditor for which the consumer did not shop in accordance with 1026.19(e)(1)(vi)(A) and that are provided by persons other than the creditor or mortgage broker. Provided a corrected PCCD. Exception remains. Reviewer Comment (2018-05-11): Escalated Reviewer Comment (2018-05-09): The seller states Invoice was provided No document has been provided. Exception remains. Seller Comment (2018-05-09): Invoice confirming payee is a fully licensed independent contractor to process the loans has been uploaded for review.     05/17/2018 2 B 03/09/2018 CO Primary Purchase Good Faith Redisclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203210022 22985466 1128030419 6254139 22985466-4826 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 03/08/2018 did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/08/2018) This is due to seller paid closing fee and release tracking fee being included in the tolerance.     Reviewer Comment (2018-05-09): Goldman has elected to waive the exception. Reviewer Comment (2018-05-07): Seller states -Seller paid 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 (2018-05-07): Seller paid 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.     05/09/2018 2 B 03/09/2018 CO 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
203210022 22985466 1128030419 6254140 22985466-17648 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/03/08/2018) The fees disclosed on the seller CD total $51960.61, the fees on the borrowers final CD as seller paid at closing $47,995.     Reviewer Comment (2018-05-09): Goldman has elected to waive the exception Reviewer Comment (2018-05-03): Seller states -Seller paid 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): Seller paid 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.     05/09/2018 1 A 03/09/2018 CO 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
203210022 22985466 1128030419 6267032 22985466-6543 04/23/2018 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 $351.00 exceeds tolerance of $175.00 plus 10% or $192.50. Insufficient or no cure was provided to the borrower. (0) This is due to $170 seller paid closing fee and seller paid $50.00 release tracking fee.     Reviewer Comment (2018-05-17): Per sales contract seller agreed to pay these fees issue cleared. Reviewer Comment (2018-05-03): Seller states -Seller paid 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): Seller paid 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. 05/17/2018     1 A 03/09/2018 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
204126042 23424138 9779364406 7141702 23424138-2802 07/09/2018 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003         Reviewer Comment (2018-07-11): Goldman elected to waive the exception.     07/11/2018 2 B 05/10/2018 NJ Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204126042 23424138 9779364406 7146342 23424138-6295 07/09/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 04/20/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/04/20/2018) Loan Estimate provided on 04/20/2018 was electronically provided prior to borrower's consent to receive electronic disclosures on 04/23/2018.     Reviewer Comment (2018-07-11): Goldman elected to waive the exception.     07/11/2018 2 B 05/10/2018 NJ Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
204126042 23424138 9779364406 7146741 23424138-7456 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 04/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (XXXX) Loan closed 5/10/2018 - Missing 2017 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): Goldman elected to waive the exception.     07/25/2018 2 B 05/10/2018 NJ Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
204126042 23424138 9779364406 7146742 23424138-4436 07/09/2018 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/05/02/2018)       Reviewer Comment (2018-07-11): Goldman elected to waive the exception.     07/11/2018 2 B 05/10/2018 NJ Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205186181 25060700 1804036471 9215003 25060700-4826 11/24/2018 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 05/02/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/02/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/02/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186181 25060700 1804036471 9215022 25060700-4330 11/24/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 04/04/2018 did not contain the "Title-" description. (Interim/04/04/2018) Loan Estimate provided on 04/04/2018 did not contain the "Title-" description in section C for Survey $1,000.00 and section E Recording Fee of $150.00     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/02/2018 TX Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186181 25060700 1804036471 9215023 25060700-4330 11/24/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 04/03/2018 did not contain the "Title-" description. (Initial/04/03/2018) Loan Estimate provided on 04/04/2018 did not contain the "Title-" description in section C for Survey $1,000.00 and section E Recording Fee of $150.00     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/02/2018 TX Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186181 25060700 1804036471 9223918 25060700-6543 11/26/2018 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 $4,404.75 exceeds tolerance of $3,889.00 plus 10% or $4,277.90. Insufficient or no cure was provided to the borrower. (0) Title-Settlement/Closing/Escrow Fee was disclosed on the initial LE in the amount of $450.00 but on the final CD reads $900.00. Title-Endorsement Fee was disclosed on the initial LE in the amount of $375.00 but on the final CD reads $398.80. Title-Tax Cert Fee was not disclosed on the initial LE but on the final CD reads $99.95. It appears the borrower was not notified of these additional/increased fee's 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 (2018-12-20): Reviewed purchase contract Seller responsible for half of escrow which was $450. 10% fees are within tolerance range after backing out $450 seller paid settlement / closing fee. Seller Comment (2018-12-19): If the full amount was not charged to and payable by the borrower, then the requirements of TRID are met if the borrower was disclosed what they were actually responsible for paying per PFCU compliance. Reviewer Comment (2018-12-10): Client is testing with Seller paid fees included. The Ten Percent tolerance is the total of the fees charged. The cure due is $126.85 for the excess over the tolerance baseline. A Corrected CD, Letter of Explanation, Copy of Refund Check and Proof of Delivery is required to cure. 12/20/2018     1 A 05/02/2018 TX 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
205186181 25060700 1804036471 9223920 25060700-6542 11/26/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent And Other). Fee Amount of $225.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (7589) Attorney's Fee was disclosed on the initial LE in the amount of $150.00 but on the final CD reads $225.00. 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 (2019-01-11): The additional $75.00 was paid by the seller and listed on the seller CD as a customary seller paid fee Reviewer Comment (2019-01-03): Client has elected to test fees for both the Buyer and Seller. The borrower was charged $150 and the Seller was charged $75 for a total of $225 for Attorney Fees. Please advise what the Attorney's Fee was for. What work did the attorney perform. Per purchase contract some fees required to be paid by the seller but unable to determine what specifically the Attorney Fee was for. Seller Comment (2019-01-03): Please help us understand where you are getting attorney fees of $225 being charged. $150 was initially disclosed and ultimately charged to buyer which is reasonable and customary. Reviewer Comment (2018-12-20): Per Client profile - Seller fees are included in testing. The fee increased from the original disclosed amount. AMC reviewed purchase contract and confirmed some fees were required to be paid by the seller. Please advise what the Attorney's Fee was for. What work did the attorney perform. Seller Comment (2018-12-19): If the full amount was not charged to and payable by the borrower, then the requirements of TRID are met if the borrower was disclosed what they were actually responsible for paying per PFCU compliance. Reviewer Comment (2018-12-12): Per Client profile - Seller fees are included in testing. The fee increased from the original disclosed amount. Either a valid COC or a refund is due. Seller Comment (2018-12-11): 12/5 - Initial LE 4/3, Intermediate LE 4/4, and Final CD dated 5/2, all have the Attorney fee listed as $150.00. The Initial CD dated 4/16 did split the fee $75 to Borrower and $75 to Seller (total is still $150.00); no CoC or tolerance cure should be needed Reviewer Comment (2018-12-10): Client is testing with Seller paid fees included. The Zero Percent tolerance cure due is $75.00 for the excess over the tolerance baseline. A Corrected CD, Letter of Explanation, Copy of Refund Check and Proof of Delivery is required to cure. 01/11/2019     1 A 05/02/2018 TX 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
205186182 25060701 1804048508 9222040 25060701-4436 11/26/2018 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/04/23/2018) Evidence of the date on which the Borrowers received the appraisal report not provided.     Reviewer Comment (2018-12-04): Client elects to waive     12/04/2018 2 B 04/27/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186182 25060701 1804048508 9222134 25060701-4826 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 04/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/26/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/27/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186182 25060701 1804048508 9222327 25060701-4330 11/26/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 04/09/2018 did not contain the "Title-" description. (Initial/04/09/2018) Initial Loan Estimate listed an Attorney Fee and Survey Fee without "Title" in fee name.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/27/2018 TX Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186182 25060701 1804048508 9222345 25060701-6543 11/26/2018 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 $4,524.75 exceeds tolerance of $3,758.00 plus 10% or $4,133.80. Insufficient or no cure was provided to the borrower. (0) Title-Settlement/Closing/Escrow Fee was disclosed on the initial LE in the amount of $400.00 but on the final CD reads $950.00. Title-Endorsement Fee was disclosed on the initial LE in the amount of $240.00 but on the final CD reads $396.75. Release(s) Fee was disclosed on the initial LE but on the final CD reads $60.00. It appears the borrower was not notified of these additional/increased fees 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 (2019-01-15): Letter of Explanation and Corrected CD provided. Post Close CD has title fees moved to Section C as borrower shopped. No cure check required. Reviewer Comment (2018-12-20): AMC received the 04/26/2018 CD. The cure must be indicated in section J on page 2 as a cure and as a cure on the calculating cash to close. Please provide corrected CD and LOE to cure. Seller Comment (2018-12-19): Uploaded the final CD; the credit was given at closing and no letter or PC CD should be required Reviewer Comment (2018-12-10): AMC requires Letter of Explanation, Proof of Delivery, Copy of Refund Check in the amount of 390.95, and Corrected CD in order to address the exception.   01/15/2019   2 B 04/27/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
205186182 25060701 1804048508 9301612 25060701-2808 11/27/2018 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2018-12-04): 1008 in file. Exception cleared. 12/04/2018     1 A 04/27/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186182 25060701 1804048508 9302172 25060701-4265 11/27/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Debt service months discrepancy. Calculated debt service months reserves of 2.21 is less than Guideline debt service months reserves of 6.00. Missing Net proceeds from the sale of real estate per AUS and final 1003 in the amount of $64,350.00     Reviewer Comment (2018-12-10): Closing Statement from sale reflects net proceeds of $68,719.83 was provided in the trailing docs. Condition has been cleared. 12/10/2018     1 A 04/27/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186190 25060709 1803288424 9272902 25060709-3862 11/26/2018 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: WILDFIRES Disaster Declaration Date: 11/12/2018 Disaster was declared 11/12/18 no inspection was in file.     Reviewer Comment (2018-12-12): Post Disaster Inspection Report 12/9/18 was provided in the trailing docs reflecting exterior in good condition with no required repairs. Condition has been cleared. 12/12/2018     1 A 04/19/2018 CA Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186190 25060709 1803288424 9274402 25060709-2666 11/26/2018 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 04/24/2018, prior to three (3) business days from transaction date of 04/21/2018.       Reviewer Comment (2018-12-10): PCCD reflects disbursement date 4/26/18. Condition has been cleared Seller Comment (2018-12-07): Disagree - per PC CD closing date was 04/21, disbursement was 04/26 12/10/2018     1 A 04/19/2018 CA Primary Refinance - Cash-out - Home Improvement 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
205186190 25060709 1803288424 9274655 25060709-4371 11/26/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/19/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/19/2018) The Security Instrument was executed on April 21, 2018.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/19/2018 CA Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186190 25060709 1803288424 9274656 25060709-5656 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) The Loan Estimate does not disclose any payment towards the homeowners insurance premium. Per the HOI dec page a balance is due of $2349.05     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): Disagree - per TRID 2.0 the tolerances only affect prepaid escrows and prepaid taxes 12/13/2018     1 A 04/19/2018 CA Primary Refinance - Cash-out - Home Improvement 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
205186194 25060713 1711145206 9289724 25060713-3495 11/27/2018 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/12/20/2017) File contained documentation verifying the borrower received a copy of the appraisal on 12/13/17 which is prior to the revised appraisal date of 12/20/17. Provide documentation verifying the borrower received a copy of the updated appraisal     Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9290804 25060713-7457 11/27/2018 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxxxx) Missing Balance Sheet for Inspired Beauty.     Reviewer Comment (2018-12-11): Balance Sheet for Inspired Beauty was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-12-11): Please see attached balance sheet 12/11/2018     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9291505 25060713-4371 11/27/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/03/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/03/2018) A corrective PCCD dated 01/16/18 was provided reflecting the closing date of 1/15/18.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/03/2018 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
205186194 25060713 1711145206 9293646 25060713-5656 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) Finale CD disclosed in section F annual premium of $1,629.00 collected at closing. Initial and interim CD's only reflected a premium amount for 3 months to be collected at closing. PCCD reflects $0.00 in section C.     Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 01/03/2018 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
205186194 25060713 1711145206 9293955 25060713-25040 11/27/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Qualification Method not Matching ATR Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). Final 1008 all other debts total $2375.98. Final 1003 reads $2,283.00. after audit debts read $2,855.55.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9293957 25060713-3867 11/27/2018 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. Final 1008 all other debts total $2375.98. Final 1003 reads $2,283.00. after audit debts read $2,855.55. Please provide a breakdown of debts to determine discrepancies.     Reviewer Comment (2019-01-08): Received evidence of exclusion for 2 student loans and car payment that are being paid by third party. Re-calculated DTI results in 41.70%. Seller Comment (2019-01-08): Please see document uploaded 1/8/19. This document shows two student's loan information & evidence of their repayment of the student loans. The borrower xxxx has co-signed for his two children's student loans, xxxx, that the children are paying for. Mumbo Jumbo Inc Business pays for automobile. These are for the loans ignored/excluded from DTI. Reviewer Comment (2019-01-07): 01/07/19. Reviewed lender trailing docs, however we don't have a letter of explanation or proof on exclusion on all Sallie Mae loans from DTI. Exceptions remains. Seller Comment (2019-01-07): Please see final 1003 and 1008 along with explanation uploaded 1/7/19 Reviewer Comment (2018-12-19): Proof of exclusion of student loans not provided. Condition remains. Reviewer Comment (2018-12-13): 1003 was provided reflecting 5 Sallie Mae accounts excluded from DTI however supporting documentation for exclusion of debts was not found in file. Condition remains. 01/08/2019     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205186194 25060713 1711145206 9293958 25060713-1257 11/27/2018 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Final 1008 all other debts total $2375.98. Final 1003 reads $2,283.00. after audit debts read $2,855.55. Please provide a breakdown of debts to determine discrepancies.     Reviewer Comment (2019-01-08): Received evidence of exclusion for 2 student loans and car payment that are being paid by third party. Re-calculated DTI results in 41.70%. Seller Comment (2019-01-08): Please see document uploaded 1/8/19. This document shows two student's loan information & evidence of their repayment of the student loans. The borrower xxxx has co-signed for his two children's student loans, xxxxx, that they are paying for. Mumbo Jumbo Inc Business pays for automobile. These are for the loans ignored/excluded from DTI. Reviewer Comment (2019-01-07): 01/07/19. Reviewed lender trailing docs, however we don't have a letter of explanation or proof on exclusion on all Sallie Mae loans from DTI. Exceptions remains. Seller Comment (2019-01-07): Please see final 1003 and 1008 along with explanation uploaded 1/7/19 Reviewer Comment (2018-12-19): Proof of exclusion of student loans not provided. Condition remains. Reviewer Comment (2018-12-13): 1003 was provided reflecting 5 Sallie Mae accounts excluded from DTI however supporting documentation for exclusion of debts was not found in file. Condition remains. 01/08/2019     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9293989 25060713-3862 11/27/2018 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: WILDFIRES Disaster Declaration Date: 11/12/2018 The subject is located in a FEMA Disaster Area. A post-disaster inspection is required verifying there was no damage to the subject. The inspection must include exterior photos of the subject     Reviewer Comment (2018-12-12): Post Disaster Inspection Report 12/9/18 was provided in the trailing docs and does not reflect any exterior damage. Condition has been cleared. 12/12/2018     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9294046 25060713-5366 11/27/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 44.45819% exceeds Guideline total debt ratio of 43.00000%. Final 1008 all other debts total $2375.98. Final 1003 reads $2,283.00. after audit debts read $2,855.55. Please provide a breakdown of debts to determine discrepancies.     Reviewer Comment (2019-01-08): Received evidence of exclusion for 2 student loans and car payment that are being paid by third party. Re-calculated DTI results in 41.70%. Seller Comment (2019-01-08): Please see document uploaded 1/8/19. This document shows two student's loan information & evidence of their repayment of the student loans. The borrower xxxx has co-signed for his two children's student loans, xxxxx, that they are paying for. Mumbo Jumbo Inc Business pays for automobile. These are for the loans ignored/excluded from DTI. Reviewer Comment (2019-01-07): 01/07/19. Reviewed lender trailing docs, however we don't have a letter of explanation or proof on exclusion on all Sallie Mae loans from DTI. Exceptions remains. Seller Comment (2019-01-07): Please see final 1003 and 1008 along with explanation uploaded 1/7/19 Reviewer Comment (2018-12-19): Proof of exclusion of student loans not provided. Condition remains. Reviewer Comment (2018-12-13): 1003 was provided reflecting 5 Sallie Mae accounts excluded from DTI however supporting documentation for exclusion of debts was not found in file. Condition remains. 01/08/2019     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9295105 25060713-5695 11/27/2018 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. Final 1008 all other debts total $2375.98. Final 1003 reads $2,283.00. after audit debts read $2,855.55. Please provide a breakdown of debts to determine discrepancies.     Reviewer Comment (2019-01-08): Received evidence of exclusion for 2 student loans and car payment that are being paid by third party. Re-calculated DTI results in 41.70%. Seller Comment (2019-01-08): Please see document uploaded 1/8/19. This document shows two student's loan information & evidence of their repayment of the student loans. The borrower xxxxfor his two children's student loans, xxxxx, that they are paying for. Mumbo Jumbo Inc Business pays for automobile. These are for the loans ignored/excluded from DTI. Reviewer Comment (2019-01-07): 01/07/19. Reviewed lender trailing docs, however we don't have a letter of explanation or proof on exclusion on all Sallie Mae loans from DTI. Exceptions remains. Reviewer Comment (2019-01-07): 01/07/19. Reviewed lender trailing docs, however we don't have a letter explanation on why the UW excluded all Sallie Mae loans from DTI. Exceptions remains. Seller Comment (2019-01-07): Please see final 1003 and 1008 along with explanation uploaded 1/7/19 Reviewer Comment (2018-12-13): 1003 was provided reflecting 5 Sallie Mae accounts excluded from DTI however supporting documentation for exclusion of debts was not found in file. Condition remains. 01/08/2019     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9339110 25060713-25034 11/29/2018 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 44.45819% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) Final 1008 all other debts total $2,375.98. Final 1003 reads $2,283.00, after audit debts read $2,855.55. Please provide a breakdown off debts were included in DTI since final 1008,1003 and audit review have a discrepancy.     Reviewer Comment (2019-01-08): Received evidence of exclusion for 2 student loans and car payment that are being paid by third party. Re-calculated DTI results in 41.70%. Seller Comment (2019-01-08): Please see document uploaded 1/8/19. This document shows two student's loan information & evidence of their repayment of the student loans. The borrower xxxx has co-signed for his two children's student loans, xxxx, that they are paying for. Mumbo Jumbo Inc Business pays for automobile. These are for the loans ignored/excluded from DTI. Reviewer Comment (2019-01-07): 01/07/19. Reviewed lender trailing docs, however we don't have a letter of explanation or proof on exclusion on all Sallie Mae loans from DTI. Exceptions remains. Reviewer Comment (2019-01-07): 01/07/19. Reviewed lender trailing docs, however we don't have a letter explanation on why the UW excluded all Sallie Mae loans from DTI. Exceptions remains. Seller Comment (2019-01-07): Please see final 1003 and 1008 along with explanation uploaded 1/7/19 Reviewer Comment (2018-12-13): 1003 was provided reflecting 5 Sallie Mae accounts excluded from DTI however supporting documentation for exclusion of debts was not found in file. Condition remains. 01/08/2019     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186194 25060713 1711145206 9341988 25060713-6569 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.         Reviewer Comment (2018-12-18): Provided 12/18/2018     1 A 01/03/2018 CA Primary Refinance - Cash-out - Other   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205186204 25060723 1805227946 9301431 25060723-5683 11/27/2018 Compliance Compliance Federal Compliance Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (Si,Mengjie ACROBiosustems/Wages) No current income information for co-borrower located in file. The CB income begins after closing with only an employer letter and no other sources of income documentation.     Reviewer Comment (2018-12-17): Borrower is being qualified with projected income. Offer letter in file to validate amount used to qualify. Issue cleared. Seller Comment (2018-12-14): Received-added to folder; no additional income docs required per guidelines 12/17/2018     1 A 07/24/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186204 25060723 1805227946 9301433 25060723-3313 11/27/2018 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (Si,Mengjie ACROBiosustems/Wages) No current income information for co-borrower located in file. The CB income begins after closing with only an employer letter and no other sources of income documentation.     Reviewer Comment (2018-12-17): Borrower is being qualified with projected income. Offer letter in file to validate amount used to qualify. Issue cleared. Seller Comment (2018-12-14): Received-added to folder; no additional income docs required per guidelines 12/17/2018     1 A 07/24/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186204 25060723 1805227946 9301434 25060723-3315 11/27/2018 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. (Si,Mengjie ACROBiosustems/Wages) No current income information for co-borrower located in file. The CB income begins after closing with only an employer letter and no other sources of income documentation.     Reviewer Comment (2018-12-17): Borrower is being qualified with projected income. Offer letter in file to validate amount used to qualify. Issue cleared. Seller Comment (2018-12-14): Received-added to folder; no additional income docs required per guidelines 12/17/2018     1 A 07/24/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186204 25060723 1805227946 9301435 25060723-4204 11/27/2018 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. No current income information for co-borrower located in file. The CB income begins after closing with only an employer letter and no other sources of income documentation.     Reviewer Comment (2018-12-17): Borrower is being qualified with projected income. Offer letter in file to validate amount used to qualify. Issue cleared. 12/17/2018     1 A 07/24/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186204 25060723 1805227946 9301436 25060723-3867 11/27/2018 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. Originator Loan Designation is Safe Harbor QM, per Job notes.     Reviewer Comment (2019-01-15): Co-borrower was employed as a teacher assistant during school. Two year employment history documented. Exception cleared. Reviewer Comment (2018-12-17): CB has job gap with no LOE in file. (5/31/18 to start of new job on 08/20/18) Seller Comment (2018-12-14): Received-added to folder; no additional income docs required per guidelines 01/15/2019     1 A 07/24/2018 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
205186204 25060723 1805227946 9301437 25060723-4826 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 07/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/27/2018) Cash to close disclosed a inaccurate dollar amount by which total closing cost exceeded the legal limit.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/24/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186204 25060723 1805227946 9301625 25060723-4016 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 04/09/2018 did not disclose the expiration date of estimated closing costs. (Interim/04/09/2018) 4/9/18 Loan Estimate does not provide expiration date of estimated closing cost.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/24/2018 PA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186204 25060723 1805227946 9342170 25060723-6677 11/29/2018 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Mengjie/Si/1975198) The CB income begins after closing with only an employer letter and no other sources of income documentation.     Reviewer Comment (2019-01-15): Co-borrower was employed as a teacher assistant during school. Two year employment history documented. Exception cleared. Reviewer Comment (2018-12-17): CB has job gap with no LOE in file. (5/31/18 to start of new job on 08/20/18) Seller Comment (2018-12-14): Received-added to folder; no additional income docs required per guidelines 01/15/2019     1 A 07/24/2018 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186205 25060724 1807136585 9302741 25060724-24185 11/27/2018 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 $13,656.61 on Interim Closing Disclosure provided on 07/20/2018 not accurate. (Initial/07/20/2018) The interim CD disclosed a monthly escrow payment of $1,241.51 and Escrowed Property Costs over Year 1 as $13,656.61 / 501.25 =11 months, however the final CD page 1 reflects an estimates hazard and insurance of $1,243.37 x 11 = $13,678.17 which should have been reflected on interim CD issued on 09/28/18     Reviewer Comment (2018-12-10): Outside of SFIG RMBS TRID review scope 12/10/2018     1 A 07/25/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302901 25060724-4613 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 07/24/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/07/24/2018) Disclosure reflects homeowner's insurance under prepaids is $1,176.95 per year which equals $98.08 per month but homeowner's insurance under initial payment at closing is $98.10 per month x 12 = $1,177.20. 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 07/25/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302902 25060724-4826 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 07/24/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/24/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/25/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302903 25060724-4016 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 07/11/2018 did not disclose the expiration date of estimated closing costs. (Interim/07/11/2018) LE did not disclose an expiration date of estimated closing cost.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/25/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302904 25060724-4810 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Homeowner's Insurance Escrow TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 07/16/2018 disclosed homeowner's insurance under Initial Escrow Payment at Closing that does not match amount per month calculation. (Interim/07/16/2018) Disclosure reflects homeowner's insurance under initial escrow payment is $96.40 x 12 = $1,157.00, Final CD homeowner's insurance under initial payment at closing is $98.10 per month x 12 = $1,177.20. 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 Reviewer Comment (2018-12-12): HOI Dec Page annual premium is $1176.95 /12 = $98.08/mo. The monthly amount on page 2 of CD is $98.10 which is incorrect. A corrected CD and LOE is needed to cure. 12/13/2018     1 A 07/25/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302906 25060724-4321 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 07/16/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Interim/07/16/2018) Disclosure reflects homeowner's insurance under prepaids $1,157.00 / 12 = 96.40, Final CD homeowner's insurance under initial payment at closing is $98.10 per month x 12 = $1,177.20. 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 07/25/2018 VA Primary Purchase Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302907 25060724-4330 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 06/21/2018 did not contain the "Title-" description. (Initial/06/21/2018) Survey fee does not have "Title" on LE in file     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/25/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302908 25060724-4330 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 07/11/2018 did not contain the "Title-" description. (Interim/07/11/2018) Survey fee does not have "Title" on LE in file     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/25/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302909 25060724-4330 11/27/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 07/16/2018 did not contain the "Title-" description. (Interim/07/16/2018) Survey fee does not have "Title" on LE in file     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/25/2018 VA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186205 25060724 1807136585 9302911 25060724-6543 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 $1,742.00 exceeds tolerance of $1,029.00 plus 10% or $1,131.90. Insufficient or no cure was provided to the borrower. (0) Title-Settlement/Closing/Escrow Fee was disclosed on the initial LE in the amount of $595.00 but on the final CD reads $1,190.00. Filing Fee was not disclosed on the initial LE but on the final CD reads $8.00. Survey Fee was disclosed on the initial LE in the amount of $185.00 but on the final CD reads $325.00. It appears the borrower was not notified of these additional/increased fees 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 (2019-01-18): AMC received Proof of Delivery. Exception Cured. Seller Comment (2019-01-17): Confirmation of delivery uploaded Reviewer Comment (2019-01-10): Need proof of delivery in addition to PCCD, LOE and copy of check for cure consideration. Seller Comment (2019-01-10): Please see combined document with LOE, Check and PCCD Reviewer Comment (2018-12-24): The 10% fees are Filing Fee and Survey which both increased over the base line amount. A Corrected CD, Copy of Refund Check, Letter of Explanation and Proof of Delivery is required to cure. Seller Comment (2018-12-21): Lender disagrees with your findings, the settlement fee was not paid by Weichert Financial (the seller). The fee was paid to MBH Settlement Group for title and searches. Reviewer Comment (2018-12-12): Settlement Fee paid by Seller was placed erroneously in Section B when it was disclosed properly in Section H. The remaining Ten Percent tolerance fees are Filing Fees and Survey Fee - cure amount needed is $15.10. Corrected CD, Copy of Refund Check, Letter of Explanation and Proof of Delivery is required.   01/18/2019   2 B 07/25/2018 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
205186206 25060725 1805169172 9311852 25060725-7458 11/28/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx) The 1065's provided for the company were not signed/dated by the borrowers and Business Transcripts were not provided in lieu of signatures. (Appendix Q).     Reviewer Comment (2018-12-11): Signed 1065s for Emma Gambrills Rainbow LLC was provided in the trailing docs. Condition has been cleared. 12/11/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9311853 25060725-7458 11/28/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxxx) The 1065's provided for the company were not signed/dated by the borrowers and Business Transcripts were not provided in lieu of signatures. (Appendix Q).     Reviewer Comment (2018-12-11): Signed 1065s for Aryana Rainbow LLC was provided in the trailing docs. Condition has been cleared. 12/11/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9311858 25060725-3867 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 ATR Risk. The 1065's provided for the company were not signed/dated by the borrowers and Business Transcripts were not provided in lieu of signatures. (Appendix Q).     Reviewer Comment (2018-12-27): The losses used by the UW income worksheet for Aryana Rainbow was $1647.92 per borrower however the depreciation was not input or included and should be. Using just the YTD loss as the most conservative, the final DTI moved under 43%. Reviewer Comment (2018-12-18): DTI exceeds 43%. Please provide cash flow analysis for Emma Gamrbills Raninbow LLC. Unable to confirm income used in qualifying. Condition remains. Reviewer Comment (2018-12-12): DTI exceeds 43%. Please provide income/loss breakdown for B2. Unable to confirm income used based on information provided. Condition remains. 12/27/2018     1 A 07/02/2018 MD Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186206 25060725 1805169172 9311859 25060725-4087 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. ABA Disclosure issued on 05/14/2015, and not containing borrower's acknowledgement signature.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9311990 25060725-6542 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 Pest Inspection Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75155) The Pest Inspection Fee exceeded the zero percent tolerance baseline; there was no evidence of a cure ($35) paid to borrower.     Reviewer Comment (2019-01-15): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided Seller Comment (2019-01-14): PC CD, LOE, and copy of refund check uploaded Reviewer Comment (2018-12-12): AMC received a letter stating the Pest Inspection was included in 10% fee section, this was not how the fee was disclosed on the final CD. It was in section B and subject to zero tolerance testing. A Corrected CD, letter of explanation, copy of refund check and proof of delivery is required to cure. Reviewer Comment (2018-12-10): Pest Inspection Fee was disclosed in Section B which is subject to Zero Percent tolerance. If this fee was a Borrower chosen service, then the fee should be disclosed in Section H. If the title company required the service, then the fee would be disclosed in Section C as Title - Pest Inspection Fee. As disclosed without a valid COC, the fee is a zero tolerance and a refund is due.   01/15/2019   2 B 07/02/2018 MD 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
205186206 25060725 1805169172 9312097 25060725-4330 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 05/16/2018 did not contain the "Title-" description. (Interim/05/16/2018) Loan Estimate provided on 05/16/2018 did not contain the "Title-" description. for the "Subordination Preparation Fee (Interim/05/16/2018)     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/02/2018 MD Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186206 25060725 1805169172 9312441 25060725-4826 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 07/02/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/02/2018) The Final CD does not disclose the amount of 0% and 10% tolerance violations where provided on page 3.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/02/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186206 25060725 1805169172 9313192 25060725-24185 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 $13,389.86 on Interim Closing Disclosure provided on 06/20/2018 not accurate. (Initial/06/20/2018) Amount of Escrowed Property Costs over Year 1 of $13,389.86 on Interim Closing Disclosure provided on 06/20/2018 not accurate and reflects only 11 months. The Monthly Escrow in the Final CD is $1201.74/mo and totals $14,420.88 for one year.     Reviewer Comment (2018-12-12): Erroneous validation. Amount of Escrowed Property Costs over Year 1 was corrected on final CD. Reviewer Comment (2018-12-10): Exception re-opened please disregard previous comment. Reviewer Comment (2018-12-10): Final CD provided to the borrower properly disclosed the monthly escrow amount and escrow amount over year 1. 12/12/2018     1 A 07/02/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186206 25060725 1805169172 9315387 25060725-4016 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 05/16/2018 did not disclose the expiration date of estimated closing costs. (Interim/05/16/2018) Loan Estimate provided on 05/16/2018 did not disclose the expiration date of estimated closing costs     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 07/02/2018 MD Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205186206 25060725 1805169172 9346374 25060725-6543 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 $3,449.00 exceeds tolerance of $1,255.00 plus 10% or $1,380.50. Insufficient or no cure was provided to the borrower. (0) Cure for tolerance violation was not evident in the Final CD; a Post Consummation CD was not provided in the loan file.     Reviewer Comment (2018-12-12): Title Insurance increased but not enough to make the 10% tolerance go over the allowance, no refund required. Exception cleared. 12/12/2018     1 A 07/02/2018 MD 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
205186206 25060725 1805169172 9349081 25060725-7458 11/29/2018 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx) The 1065's provided for the company were not signed/dated by the borrowers and Business Transcripts were not provided in lieu of signatures. (Appendix Q).     Reviewer Comment (2018-12-10): Signed 1065s for xxxx were provided in the trailing docs. Condition has been cleared. 12/10/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9349320 25060725-5404 11/29/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx Third Party Verification A Third Party verification of employment or CPA letter was not provided for B1's ownership of the child care business. (A CPA verification in file was specific to B2 only).     Reviewer Comment (2019-01-11): No income was used and a third party verification would not apply. Reviewer Comment (2018-12-21): Upon further review, no income used from xxxxx for B1, however DTI exceeds 43%. Condition to be cleared once DTI is within guidelines without used of income. Seller Comment (2018-12-21): INCOME WAS NOT USED FOR B1- HE IS NOT SELF EMPLOYED AND DID NOT USE HIS INCOME FROM BUSNIESS/ NO VOE REQUIRED Reviewer Comment (2018-12-11): Condition is in reference for third party verification of B1 self employment at xxxxx. Condition remains. 01/11/2019     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9349412 25060725-25035 11/29/2018 Compliance Compliance Federal Compliance General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 48.45032% significantly exceeds the guideline maximum of 43.00%. (DTI Exception cannot be compensated to a lower grade.) Lender used B2 YTD income based on a self prepared P&L, which is not allowed unless the P&L is prepared by a third party; this reduced B2 income substantially. Additional income is evident in the borrower taxes but was not documented sufficiently to be used for B1 (no third party verification from CPA). The 1065's provided for the company were not signed/dated by the borrowers and Business Transcripts were not provided in lieu of signatures. (Appendix Q).     Reviewer Comment (2018-12-12): exception cleared Reviewer Comment (2018-12-11): DTI exceeds 43%. Please provide income/loss breakdown for B2. Unable to confirm income used based on information provided. Condition remains. 12/12/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9349413 25060725-1257 11/29/2018 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Insufficient income documentation was provided for B1 in the partnership owned jointly by the borrowers.     Reviewer Comment (2018-12-13): Exception cleared Reviewer Comment (2018-12-11): DTI exceeds 43%. Please provide income/loss breakdown for B2. Unable to confirm income used based on information provided. Condition remains. 12/13/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9349439 25060725-5366 11/29/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.45032% exceeds Guideline total debt ratio of 43.00000%. Lender used B2 YTD income based on a self prepared P&L, which is not allowed unless the P&L is prepared by a third party; this reduced B2 income substantially. Additional income is evident in the borrower taxes but was not documented sufficiently to be used for B1 (no third party verification from CPA). The 1065's provided for the company were not signed/dated by the borrowers and Business Transcripts were not provided in lieu of signatures. (Appendix Q).     Reviewer Comment (2019-01-11): Receipt of the CB business taxes and using a 2 year average from 2016/2017 the final DTI moves below the 43% threshold. Reviewer Comment (2018-12-19): Received signed 1065, however DTI is at 44%. Exception remains. 01/11/2019     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9349453 25060725-5695 11/29/2018 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. Lender used B2 YTD income based on a self prepared P&L, which is not allowed unless the P&L is prepared by a third party; this reduced B2 income substantially. Additional income is evident in the borrower taxes but was not documented sufficiently to be used for B1 (no third party verification from CPA). The 1065's provided for the company were not signed/dated by the borrowers and Business Transcripts were not provided in lieu of signatures. (Appendix Q).     Reviewer Comment (2018-12-27): The losses used by the UW income worksheet for xxxx was $1647.92 per borrower however the depreciation was not input or included and should be. Using just the YTD loss as the most conservative, the final DTI moved under 43%. Reviewer Comment (2018-12-19): Received signed 1065, however DTI is at 44%. Exception remains. 12/27/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9539860 25060725-1034 12/12/2018 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. (xxxxxx) .     Reviewer Comment (2018-12-18): Upon further review, 2017 Loss included in qualifying. 2018 P&L reflects no further declines. Condition has been cleared. 12/18/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186206 25060725 1805169172 9605098 25060725-25034 12/18/2018 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 44.91795% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) DTI exceeds 43%. Please provide cash flow analysis for xxxxx. Unable to confirm income used in qualifying. Condition remains.     Reviewer Comment (2018-12-27): The losses used by the UW income worksheet for xxxx was $1647.92 per borrower however the depreciation was not input or included and should be. Using just the YTD loss as the most conservative, the final DTI moved under 43%. 12/27/2018     1 A 07/02/2018 MD Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205186210 25060729 1703226308 9298981 25060729-23083 11/27/2018 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) VVOE in file states verified from Business license, however license was not provided in file.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/27/2017 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186210 25060729 1703226308 9298982 25060729-7455 11/27/2018 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxxx) The 2016 personal tax returns were not in the loan file. The loan file did contain an extension for the 2016 tax year.     Reviewer Comment (2018-12-14): Documentation in file meets appendix Q requirements. Exception cleared. Seller Comment (2018-12-11): The 2016 tax returns were not in the file because of the extension. Can this exception be cleared or is additional information/documentation needed? 12/14/2018     1 A 04/27/2017 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186210 25060729 1703226308 9298984 25060729-3867 11/27/2018 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 QM employment history and income documentation exceptions.     Reviewer Comment (2018-12-19): Loan is SHQM Reviewer Comment (2018-12-19): VVOE states Borrower's business was verified through WA State Business License search, however this document is not evidenced in loan file. Please provide. Thanks! Seller Comment (2018-12-17): All required income documents are in the file 12/19/2018     1 A 04/27/2017 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
205186210 25060729 1703226308 9298990 25060729-22212 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 04/24/2017 overdisclosed a Total of Payments. (Final/04/24/2017) The disclosed TOP of $950,642.84 did not match the calculated TOP of $950,552.84.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/27/2017 WA 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 C A Safe Harbor QM Safe Harbor QM Yes
205186210 25060729 1703226308 9317605 25060729-986 11/28/2018 Compliance Compliance Federal Compliance Capital Gains Tax Returns Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx (employer unknown)/Schedule D) Only 2 years returns provided. The loss was used by Lender is based on an average of 2 years.     Reviewer Comment (2018-12-19): 3 years is required when the loss is recurring, the tax returns indicate the loss occurred in 2014 with no loss in 2015, therefore not a recurring trend, not requiring 3 years tax returns. Reviewer Comment (2018-12-11): 3 years of tax returns is required to verify capital gains income, however only 2 years was provided. Condition remains. Seller Comment (2018-12-11): 3 years is needed when using the source as income. Lender input a loss to be conservative. 12/19/2018     1 A 04/27/2017 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186210 25060729 1703226308 9345048 25060729-6569 11/29/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.         Reviewer Comment (2018-12-17): Received a Pro Teck desk review dated 12/06/2018 which provided a value of $586,000 a 6.98% variance from the appraised value of $630,000, value supported. 12/17/2018     1 A 04/27/2017 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186211 25060730 1708168555 9319002 25060730-855 11/28/2018 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/02/2017 Disaster End Date: 11/01/2017 Disaster Name: WILDFIRES Disaster Declaration Date: 10/10/2017       Reviewer Comment (2018-12-18): Post Disaster Inspection Report 12/15/18 was provided in the trailing docs and reflects property is in good condition with no exterior repairs required. Condition has been cleared. 12/18/2018     1 A 09/01/2017 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186211 25060730 1708168555 9320871 25060730-7087 11/28/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.       Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 09/01/2017 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205186211 25060730 1708168555 9609437 25060730-5731 12/18/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Desk Review dated 12/03/2018 is Inconclusive. 2055 dated 12/25/2018 with value of $855,000.00 is not within 10% tolerance of Appraised value of $1,060.00 dated 06/02/2017.     Reviewer Comment (2019-01-16): Updated 2055 correcting value to $965,000 provided, which is a -8.9623% variance. Exception cleared. Reviewer Comment (2018-12-31): 2055 dated 12/25/2018 with value of $855,000.00 is not within 10% tolerance of Appraised value of $1,060.00 dated 06/02/2017. 01/16/2019     1 A 09/01/2017 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205186220 25060739 1712216150 9320069 25060739-24189 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 of $14,918.75 on Interim Closing Disclosure provided on 01/05/2018 not accurate. (Initial/01/05/2018) Based on final CD the monthly estimated taxes, insurance and assessments disclosed on Page 1 of $1,359.50, the Total Property Costs over Year 1 should have reflected $16,314.00.     Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 01/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186220 25060739 1712216150 9320073 25060739-6542 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 $71.20 exceeds tolerance of $67.00. Insufficient or no cure was provided to the borrower. (7520) Credit Report Fee was disclosed on the initial LE in the amount of $67.00 but on the final CD reads $71.20. 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 (2018-12-28): AMC received PCCD indicating an additional cure of $.25, LOE, Refund Check, and Proof of Delivery. Exception Cured. Reviewer Comment (2018-12-17): AMC received lender correspondance. The Credit Report Fee was disclosed as $67 and increased to $71.20 therefore a cure of $4.20 is required. $.25 is remaining to cure. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2018-12-13): see attached comments regarding exceptions cited   12/28/2018   2 B 01/09/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205186220 25060739 1712216150 9320154 25060739-4868 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 01/02/2018 did not contain the "optional" description. (Interim/01/02/2018) The LE issued 01/02/2018 disclosed Home Warranty Fee that did not contain "Optional" in the description.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/09/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186220 25060739 1712216150 9320155 25060739-4868 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 12/27/2017 did not contain the "optional" description. (Interim/12/27/2017) The LE issued 12/27/2017 disclosed Home Warranty Fee that did not contain "Optional" in the description.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/09/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186220 25060739 1712216150 9320156 25060739-4868 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 12/20/2017 did not contain the "optional" description. (Initial/12/20/2017) The LE issued 12/20/2017 disclosed Home Warranty Fee that did not contain "Optional" in the description.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/09/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186220 25060739 1712216150 9320383 25060739-4826 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 01/09/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/09/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186220 25060739 1712216150 9325888 25060739-23897 11/28/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 01/02/2018 received on or after the date the Closing Disclosure 1/5/2018 12:00:00 AM was received. (Interim/01/02/2018) The revised LE issued 01/02/2018, sequence #2, was not signed or acknowledged received by the Borrower therefore the assumed receipt date of 01/05/2018 was the same day as the initial CD was issued.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/09/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186220 25060739 1712216150 9325889 25060739-3988 11/28/2018 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 01/02/2018 not received by borrower at least four (4) business days prior to closing. (Interim/01/02/2018) The revised LE issued 01/02/2018, sequence #2, was not signed or acknowledged received by the Borrower therefore the assumed receipt date of 01/05/2018 was less than the required 4 business days prior to close.     Reviewer Comment (2019-01-22): Client elects to waive. Reviewer Comment (2019-01-17): There are 2 01/02/2019 LEs. The first LE is electronically signed 01/02/2019. The 2nd is not and uses the mailbox rule with the receipt date of 01/05/2019 causing the exception. If there was not earlier receipt of the 2nd LE the exception must stand. Seller Comment (2019-01-17): Mailbox rule should be applied and shouldn't be required. Both borrowers electronically signed the LE on 1/2/18. The initial CD was provided to and signed by both borrowers on 1/5/18 which gives us an earliest signing date of 1/9/18 which was the date the borrowers signed. Reviewer Comment (2019-01-07): Need proof of receipt of LE and not Econsent as provided. Exception remains. Reviewer Comment (2018-12-28): AMC received trailing emails from lender. Please provide the LE dated 01/02/2018 with $250417 estimated cash to close electronically signed to clear. Reviewer Comment (2018-12-17): AMC received lender correspondence. There are 2 LE issued 01/02/2018. The LE with $309,857 paid in the first 5 years is not electronically signed therefore the mailbox rule is used. Please provide indication of receipt if available to clear. Seller Comment (2018-12-13): see attached comments regarding exceptions cited     01/22/2019 2 B 01/09/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186220 25060739 1712216150 9325890 25060739-6542 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 Field Review Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7508) Appraisal Field Review Fee was not disclosed on the initial LE but on the final CD reads $500.00. 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 (2019-01-17): AMC received Proof of Delivery. Exception Cured. Reviewer Comment (2019-01-09): AMC has received appropriate cure, however UPS tracking shows that refund package will not be delivered until tomorrow. Cannot clear until proof of delivery has been confirmed, Seller Comment (2019-01-09): see attached PCCD Reviewer Comment (2018-12-28): AMC received trailing emails from lender. The fee was not initially disclosed on the initial LE or disclosed with a valid change of circumstance. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2018-12-13): see attached comments regarding exceptions cited   01/17/2019   2 B 01/09/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205186220 25060739 1712216150 9326844 25060739-4868 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 01/02/2018 did not contain the "optional" description. (Interim/01/02/2018) The LE issued 01/02/2018 disclosed Home Warranty Fee that did not contain "Optional" in the description.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 01/09/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186221 25060740 1705239102 9309657 25060740-6572 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/06/08/2017) There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 06/19/2017 CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186221 25060740 1705239102 9309928 25060740-4371 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/19/2017 disclosed a Closing Date that did not match the actual date of consummation. (Final/06/19/2017) Final Closing Disclosure provided on 06/19/2017 disclosed a Closing Date of 06/19/2017 that did not match the actual date of consummation of 06/20/2017. A Post Consummation CD was not provided to correct the issue.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 06/19/2017 CA 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
205186221 25060740 1705239102 9310493 25060740-2666 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 06/23/2017, prior to three (3) business days from transaction date of 06/20/2017. Per the FInal Closing Disclosure, the Subject loan transaction disbursed on 06/23/2017, prior to three (3) business days from transaction date of 06/20/2017. However, the Borrower's Final Closing Statement reflects that the funds disbursed on 06/27/2017. The file did not include a Post Consummation CD that corrected the Closing and Disbursement dates.     Reviewer Comment (2019-01-30): PCCD provided dated 12/14/2018 reflecting updated disbursement date of 06/27/2017. Exception cleared. Seller Comment (2019-01-28): Please see PCCD, LOE, copy of check and proof of delivery 01/30/2019     1 A 06/19/2017 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 A A Safe Harbor QM Safe Harbor QM Yes
205186227 25060746 1801239909 9320041 25060746-3495 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/02/27/2018) Effective date of appraisal 02/05/2018, copy sent to borrower 02/09/2018, however report was not signed until 02/27/2018     Reviewer Comment (2018-12-05): Client elects to waive.     12/05/2018 2 B 03/06/2018 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186227 25060746 1801239909 9320042 25060746-24187 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 $183.26 on Interim Closing Disclosure provided on 02/26/2018 not accurate. (Initial/02/26/2018) The CD indicates non-escrowed costs (HOA) of $16.66/mo and $183.26/year, however, the HOA fees are $250/year or $20.83 per the Appraisal.     Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 03/06/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186227 25060746 1801239909 9345911 25060746-7455 11/29/2018 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Dietz,Candy Impact Benefits and retirement/S-Corp) 2017 tax returns not required. Missing 2017 K-1. (Income not used, approval based on W2 earnings.)     Reviewer Comment (2019-02-04): New business, therefore no returns for 2015. Loan closed in early 2018, prior to the business returns for 2017 being filed. (File contained 2 years personal returns and the one 1120S that has been filed. Reviewer Comment (2018-12-14): Reviewed by compliance. When W-2 wages are used from a business the consumer owns 25% or more of of the business, that requires the appendix Q documentation of 2 years signed/dated personal returns and 2 years signed business returns as well as YTD P&L/Balance sheet documentation. Exception remains. Seller Comment (2018-12-11): 2017 K1 not needed. Loan approved based on W2 earnings 02/04/2019     1 A 03/06/2018 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186227 25060746 1801239909 9346060 25060746-3867 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. S- Corp returns for 2017 not required to be filed yet as loan closed before 4/15/2018 which would validate 2 year income using P&L for 2017 and W2 Income. (K-1 income not used, approval based on W2 earnings.)     Reviewer Comment (2019-02-04): File contains the only business return filed at time of origination. SHQM loan Reviewer Comment (2018-12-14): Reviewed by compliance. When W-2 wages are used from a business the consumer owns 25% or more of of the business, that requires the appendix Q documentation of 2 years signed/dated personal returns and 2 years signed business returns as well as YTD P&L/Balance sheet documentation. Exception remains. Seller Comment (2018-12-11): 2017 K1 not needed. Loan approved based on W2 earnings 02/04/2019     1 A 03/06/2018 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
205186227 25060746 1801239909 9346061 25060746-4371 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/07/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/07/2018) Lender correspondence found on Loan ID 219 was sent along with revised CD indicating correct closing date.     Reviewer Comment (2018-11-30): Cured by PCCD   11/30/2018   1 A 03/06/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186227 25060746 1801239909 9368146 25060746-5320 11/30/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 03/07/2018 disclosed a negative fee amount. (Final/03/07/2018) CD reflects a $500 reduction in the real estate commission as a credit - this offsets a warranty premium paid by the seller, also reflected in Sec. H.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/06/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186227 25060746 1801239909 9368147 25060746-4330 11/30/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 01/23/2018 did not contain the "Title-" description. (Initial/01/23/2018) Notary fee as shown on the LE was not listed as a "Title" fee     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/06/2018 WA Primary Purchase Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186227 25060746 1801239909 9369456 25060746-6569 11/30/2018 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.         Reviewer Comment (2018-12-17): Received a Pro Teck desk review dated 12/05/2018 which provided a value of $720,000 a 3.35% variance from the appraised value of $745,000, value supported. 12/17/2018     1 A 03/06/2018 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186234 25060753 1803287425 9321596 25060753-4826 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 05/08/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/08/2018) Due to tolerance violations.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 05/08/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186234 25060753 1803287425 9321600 25060753-6542 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 Review Fee. Fee Amount of $425.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (75104) Appraisal Review Fee was disclosed on the initial LE in the amount of $150.00 but on the final CD reads $425.00. 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 (2019-01-23): $275 tolerance cure ofr Appraisal Review Fee was given at closing on final CD. Seller Comment (2019-01-23): A lender credit of $275 was given on the CD for this increase as seen in Section J of the CD. Reviewer Comment (2018-12-10): Final CD disclosed $275 to be collected at closing from Borrower and $150 paid prior to closing by Borrower, total = $425.00. Without a valid COC, a refund is due. Seller Comment (2018-12-07): Appraisal review fee on LE and CD is $150 01/23/2019     1 A 05/08/2018 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
205186238 25060757 1801267434 9319456 25060757-6572 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/01/25/2018) Unable to locate verification of receipt in the loan file.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/27/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186238 25060757 1801267434 9319715 25060757-4327 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Other Costs Total Section F (Prepaids) TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 01/23/2018 disclosed Total Prepaids that does not match sum of fees. (Initial/01/23/2018) The disclosed amount of $4,917.00 does not match the calculated amount of $4,282.00.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/27/2018 CA Primary Refinance - Rate/Term Good faith redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186238 25060757 1801267434 9319716 25060757-4327 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Other Costs Total Section F (Prepaids) TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 01/31/2018 disclosed Total Prepaids that does not match sum of fees. (Interim/01/31/2018) The disclosed amount of $4,911.00 does not match the calculated amount of $4,276.00.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/27/2018 CA Primary Refinance - Rate/Term Good faith redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186238 25060757 1801267434 9319717 25060757-4327 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Other Costs Total Section F (Prepaids) TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 02/02/2018 disclosed Total Prepaids that does not match sum of fees. (Interim/02/02/2018) The disclosed amount of $4,898.00 does not match the calculated amount of $4,263.00.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/27/2018 CA Primary Refinance - Rate/Term Good faith redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186238 25060757 1801267434 9320389 25060757-4819 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 01/23/2018 disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Initial/01/23/2018) Loan Estimate indicated $0 closing costs were financed.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/27/2018 CA Primary Refinance - Rate/Term Good faith redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186238 25060757 1801267434 9320390 25060757-4819 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 01/31/2018 disclosed Estimated Closing Costs Financed that does not match the actual closing costs financed calculation. (Interim/01/31/2018) Loan Estimate indicated $0 closing costs were financed.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 02/27/2018 CA Primary Refinance - Rate/Term Good faith redisclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205186238 25060757 1801267434 9320472 25060757-23086 11/28/2018 Credit Assets Asset Calculation / Analysis Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of $1,719.40 is less than Cash From Borrower $78,272.74.       Reviewer Comment (2019-01-07): 01/07/19. Lender provided final Post Closed CD dated 05/22/18. CD shows cash from borrower of $11,155.20. We verified 32,691.19 in assets. Reviewer Comment (2018-12-28): Please provide final closing statement to confirm cash to close. Seller Comment (2018-12-28): Post CD issued 5/22 shows CTC $11,155.20 we have verified $32691.19. 01/07/2019     1 A 02/27/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186238 25060757 1801267434 9355649 25060757-6569 11/30/2018 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 02/27/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186238 25060757 1801267434 9813292 25060757-4264 12/28/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Please provide final closing statement to confirm cash to close.     Reviewer Comment (2019-01-07): 01/07/19. Lender provided final Post closed CD dated 05/22/18 showing cash to close from borrower of $11,155.20. We verified in assets of $32,691.19 - 11,155.20 ( cash from borrower) = 21,535.99 / 742.87 (PITIA) = 28 months in reserves. Lender required 6 months and we have/verified 28 months. 01/07/2019     1 A 02/27/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205186247 25060766 1807258696 9317246 25060766-4371 11/28/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/09/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/08/09/2018) Final CD shows closing date of 08/09/2018 and disbursement date of 08/13/2018. Post-closing CD in file dated 08/17/2018 shows closing date of 08/10/2018 and disbursement date of 08/13/2018. Missing LOE and delivery confirmation to the borrower.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186247 25060766 1807258696 9317706 25060766-4826 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 08/09/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/09/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186247 25060766 1807258696 9317707 25060766-4868 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 07/26/2018 did not contain the "optional" description. (Initial/07/26/2018) Fee of $600.00 is labeled as Home Warranty fee on LE.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/09/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186247 25060766 1807258696 9317708 25060766-4868 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 08/01/2018 did not contain the "optional" description. (Interim/08/01/2018) Fee of $550.00 is labeled as Home Warranty fee on LE.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/09/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186247 25060766 1807258696 9318054 25060766-6543 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 $610.00 exceeds tolerance of $385.00 plus 10% or $423.50. Insufficient or no cure was provided to the borrower. (0) Recording Fee was disclosed on the initial LE in the amount of $385.00 but on the final CD reads $610.00. 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 (2019-01-07): Overage is due to seller paid portion which is customary - N/A Reviewer Comment (2019-01-07): The Seller CD indicates a seller recording fee (included in testing) of $225. Please provide final closing settlement statement to verify fees charged. Seller Comment (2019-01-04): Final CD shows recording fee of $385. We cannot find where the recording fee was ever $610. Finding should be removed Reviewer Comment (2018-12-21): AMC received COC for appraised value and no other fee changes. A corrected CD, copy of refund check, letter of explanation and proof of delivery is required to cure. Reviewer Comment (2018-12-12): Per Client profile - Seller fees are included in testing. The fee increased from the original disclosed amount. Seller CD reflects $225 in recording fees, this is an increase from the disclosed amount of $385. If the fee is not valid, please provide a final ALTA Settlement Statement to show what fees were charged at closing. Seller Comment (2018-12-11): Not valid-recording fees did not change 01/07/2019     1 A 08/09/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205186247 25060766 1807258696 9359652 25060766-24137 11/30/2018 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. (Alexander/Fogleman/1984381) Missing VVOE for previous employment.     Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 08/09/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186249 25060768 1803157283 9321661 25060768-7038 11/28/2018 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/04/10/2018) No evidence of initial CD was provided to the borrower prior to final CD issued on 04/10/2018.     Reviewer Comment (2018-12-10): AMC received the 04/09/2018 CD. Exception Cleared. 12/10/2018     1 A 04/13/2018 AZ Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186249 25060768 1803157283 9340993 25060768-23477 11/29/2018 Compliance Compliance Federal Compliance Self Employed - Implicit 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. Tax returns are not signed, but the transcripts are in file.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 04/13/2018 AZ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186249 25060768 1803157283 9340994 25060768-1034 11/29/2018 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. (Bond,Patricia Bond Business Services, LLC/S-Corp) Used a 2 year avg for both borrower, final 1008 reads PenFed was ok to proceed without using YTD P&L and Balance sheet income since borrower's business are seasonal. Please provided lender's correspondence that this was ok to proceed with file.     Reviewer Comment (2019-01-15): Co-borrower income not needed to qualify and removed. Exception cleared. Reviewer Comment (2018-12-28): Please provide updated 1003 and AUS removing CB income from qualifying. Condition remains. Seller Comment (2018-12-28): Our UW department has come back with the following statement regarding the outstanding condition on this loan. Please advise. Agree with the declining income. In removing the $2166.67 from qualifying the DTI increases from 25.333 to 28.158 and well below the maximum DTI requirements. Income was not needed to qualify. Reviewer Comment (2018-12-12): Email correspondent from PedFed reflecting use of 2 year average for Chandler Air makes sense with underwriter justification which was provided. Email correspondence from tax preparer also in file reflecting P&L time frame falls outside the traditional "busy season" of Chandler Air where they earn most of their revenue. Exception for B1 income has been sufficiently addressed. Exception will remain open for the following reason: B2 self employment from 2016 to 2017 reflects over a 20% decline and a further decline per YTD P&L. B2 Income was used in qualifying however not sufficiently supported. Condition remains. 01/15/2019     1 A 04/13/2018 AZ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186249 25060768 1803157283 9341007 25060768-3867 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 income declining by more than 20%. Used a 2 year avg for both borrower, final 1008 reads PenFed was ok to proceed without using YTD P&L and Balance sheet income since borrower's business are seasonal. Please provided lender's correspondence that this was ok to proceed with file.     Reviewer Comment (2019-01-15): Co-borrower income not needed to qualify and removed. Exception cleared. Reviewer Comment (2018-12-28): Please provide updated 1003 and AUS removing CB income from qualifying. Condition remains. Seller Comment (2018-12-28): Our UW department has come back with the following statement regarding the outstanding condition on this loan. Please advise. Agree with the declining income. In removing the $2166.67 from qualifying the DTI increases from 25.333 to 28.158 and well below the maximum DTI requirements. Income was not needed to qualify. Reviewer Comment (2018-12-12): Exception for B1 income has been sufficiently addressed. Exception will remain open for the following reason: B2 self employment from 2016 to 2017 reflects over a 20% decline and a further decline per YTD P&L. B2 Income was used in qualifying however not sufficiently supported. Condition remains. 01/15/2019     1 A 04/13/2018 AZ Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186249 25060768 1803157283 9498416 25060768-4826 12/10/2018 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 04/10/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/10/2018) Added 12/10/2018. The Seller CD fees exceed tolerance. The purchase agreement indicates buyer is responsible for fees. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery.     Reviewer Comment (2018-12-19): Client elects to waive Reviewer Comment (2018-12-14): PCCD and letter uploaded in the trailing docs was for another borrower and property. Condition remains.     12/19/2018 2 B 04/13/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186249 25060768 1803157283 9498417 25060768-6543 12/10/2018 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 $60.00 exceeds tolerance of $30.00 plus 10% or $33.00. Insufficient or no cure was provided to the borrower. (0) Added 12/10/2018. The Seller CD fee exceeds tolerance. The purchase agreement indicates buyer is responsible for fees. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery.     Reviewer Comment (2019-01-18): Per Purchase Agreement seller is responsible for 50% of recording fees Exception Cleared. Seller Comment (2019-01-17): The recording fee is part of the 10% tolerance bucket. The 10% tolerance for these fees are cumulative. The LE baseline used to determine tolerance is $2873. 10% is $287.30. Since the borrower did not use the settlement service provider listed on SSPL disclosure the settlement fees were moved to the "did shop" Section C on the CD which is correct and would not pull them out of the baseline used for tolerance. The increase of $30 is within the tolerance limit of $287.30. The seller CD provided by escrow lists no credits to the borrower. Reviewer Comment (2019-01-07): The exception is due to seller paid fees including in testing. The Seller Cd and Final Settlement Statement indicate a $30 recording fee was also required by seller. Please provide PCCD, LOE, Refund Check, and Proof of Delivery to cure. 01/18/2019     1 A 04/13/2018 AZ 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
205186249 25060768 1803157283 9498419 25060768-6542 12/10/2018 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 $675.00 exceeds tolerance of $475.00. Insufficient or no cure was provided to the borrower. (7506) Added 12/10/2018. The Seller CD fee exceeds tolerance. The purchase agreement indicates buyer is responsible for fees. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery.     Reviewer Comment (2019-01-07): A cure was provided at closing. Exception Cured.   01/07/2019   2 B 04/13/2018 AZ 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
205186249 25060768 1803157283 9498420 25060768-6542 12/10/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77211) Added 12/10/2018. The Seller CD fee exceeds tolerance. The purchase agreement indicates buyer is responsible for fees. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery.     Reviewer Comment (2018-12-28): Upon further review, release tracking fee paid to same provider as other title fees listed on LE/CD. Compliance re-ran and condition is no longer valid. Condition has been cleared. 12/28/2018     1 A 04/13/2018 AZ 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
205186249 25060768 1803157283 9498421 25060768-6542 12/10/2018 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $50.00 exceeds tolerance of $25.00. Insufficient or no cure was provided to the borrower. (7724) Added 12/10/2018. The Seller CD fee exceeds tolerance. The purchase agreement indicates buyer is responsible for fees. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery.     Reviewer Comment (2019-01-07): AMC received Final Settlement Statement indicating $25 was charged for fee. Exception Cleared. 01/07/2019     1 A 04/13/2018 AZ 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
205186250 25060769 1802288771 9318225 25060769-6569 11/28/2018 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 03/23/2018 CO Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186250 25060769 1802288771 9319198 25060769-4826 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 03/23/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/23/2018) 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 03/23/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186250 25060769 1802288771 9319200 25060769-6543 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 $1,134.00 exceeds tolerance of $1,025.00 plus 10% or $1,127.50. Insufficient or no cure was provided to the borrower. (0) Unable to locate a valid change of circumstance or a sufficient cure to the borrower.     Reviewer Comment (2019-01-10): Overage is due to seller paid fee - N/A 01/10/2019     1 A 03/23/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
205186250 25060769 1802288771 9319201 25060769-6542 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 $635.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) Unable to locate a valid change of circumstance or a sufficient cure to the borrower.     Reviewer Comment (2019-01-10): Cure provided at closing. 01/10/2019     1 A 03/23/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
205186253 25060772 1802229390 9324265 25060772-24490 11/28/2018 Compliance Compliance Federal Compliance Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. Unable to locate payoff information for payoff on construction loan     Reviewer Comment (2018-12-18): Payoff statement was provided in the trailing docs. Condition has been cleared. 12/18/2018     1 A 03/16/2018 OK Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186253 25060772 1802229390 9324267 25060772-4850 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 03/14/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/14/2018) No cure was provided for the Survey Fee.     Reviewer Comment (2018-12-17): Survey fee is not listed as a title fee nor listed in section H of CD if not required per Lender. Please provide PCCD reflecting fee in section H. Seller Comment (2018-12-12): No CIC is required for the survey, this was not a requirement by lender or title and was shopped by the borrower. Reviewer Comment (2018-12-05): Client elects to waive     12/20/2018 2 B 03/16/2018 OK 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
205186253 25060772 1802229390 9324269 25060772-5656 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) Home Owners insurance is not listed on Initial and only LE.     Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 03/16/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205186253 25060772 1802229390 9324276 25060772-6542 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 Survey Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) No cure provided for Survey Fee.     Reviewer Comment (2019-01-07): AMC received PCCD correcting Survey Fee to section H. Please provide LOE to clear. Reviewer Comment (2018-12-17): Survey fee is not listed as a title fee nor listed in section H of CD if not required per Lender. Please provide PCCD reflecting fee in section H. Reviewer Comment (2018-12-14): Optional Fees are disclosed in Section H of CD which are not subject to tolerance calculations. PCCD along with cover letter was not provided with optional survey fee in section H. Condition remains. Seller Comment (2018-12-14): No CIC is required for the survey, this was not a requirement by lender or title and was shopped by the borrower. 01/07/2019     1 A 03/16/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205186253 25060772 1802229390 9324537 25060772-4330 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 02/26/2018 did not contain the "Title-" description. (Initial/02/26/2018) The Document Preparation Fee in Section B was not labeled as a Title-Document Preparation fee.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/16/2018 OK Primary Refinance - Rate/Term Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186259 25060778 1801267638 9320679 25060778-4303 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure With Seller - Cash To Close TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on 03/13/2018 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Initial/03/13/2018) Initial CD read cash to borrower at closing $41,130.76 and final CD reflects $41,097.22 discrepancy is due to closing cost financed decreased on final CD.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/21/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
205186259 25060778 1801267638 9320680 25060778-4308 11/28/2018 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure With Seller Value - Total Closing Costs TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on 03/13/2018 disclosed the Final value of Total Closing Costs that does not match the Total Closing Costs (Borrower-Paid) from page 2. (Initial/03/13/2018) Initial CD read cash to borrower at closing $18,178.15 and final CD reflects $17,560.65 discrepancy is due to closing cost decreased on final CD     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 03/21/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
205186259 25060778 1801267638 9363574 25060778-5404 11/30/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx, Borrower: xxxxxx-Nichols Transcripts (2015), Transcripts (2016) Transcripts (2015), Transcripts (2016) Guidelines require most recent 2 years transcripts. Please provide 2015/2016 transcripts. B1 has been with employer for 19 years and B2 10 years. We have 2016 and 2015 W2 transcripts which are in-line and no indication of self employment. Mitigating factors: Reserves, Score, Employment Tenure Aggregator Reviewer Comment (2019-02-04): Client elects to waive. Reviewer Comment (2018-12-20): Lender guidelines dated 03/17/2018 state The most recent 2 years federal tax transcripts are required for all borrowers. Exception remains. Seller Comment (2018-12-19): The borrowers are strictly W2 employees. No self-employment or rental income. 1040 transcripts not required. Reviewer Comment (2018-12-05): W2 transcripts were provided in the trailing docs and not 1040 transcripts. Condition remains. Seller Comment (2018-12-04): see attached tax transcripts 2016     02/04/2019 2 B 03/21/2018 CA Primary Refinance - Cash-out - Other   C B C B B B A A Safe Harbor QM Safe Harbor QM No
205186260 25060779 1805077374 9328262 25060779-7087 11/28/2018 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower. Unable to locate the initial escrow analysis disclosure in the loan file.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 06/15/2018 GA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186260 25060779 1805077374 9328263 25060779-4016 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 05/29/2018 did not disclose the expiration date of estimated closing costs. (Interim/05/29/2018) This was not disclosed on the loan estimate.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 06/15/2018 GA Primary Purchase Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186260 25060779 1805077374 9328264 25060779-4016 11/28/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 05/09/2018 did not disclose the expiration date of estimated closing costs. (Interim/05/09/2018) This LE did not disclose when the settlement costs expire.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 06/15/2018 GA Primary Purchase Good Faith Redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186260 25060779 1805077374 9328303 25060779-6542 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 $135.65 exceeds tolerance of $34.00. Insufficient or no cure was provided to the borrower. (7520) Unable to locate a valid change of circumstance or a sufficient cure to the borrower.     Reviewer Comment (2019-01-10): Cure provided at closing. Seller Comment (2019-01-10): Borrower credit was provided on Final CD (highlighted) Borrower was also provided a PCCD and LOE with proof of mailing Please see all docs uploaded 1/10/19 Reviewer Comment (2018-12-21): PCCD 12/6/18 was provided in the trailing docs reflecting cure $101.45 (135.65-34.20) however copy of check, letter of explanation to borrower and proof of delivery was not provided. Condition remains. Reviewer Comment (2018-12-10): AMC requires Letter of Explanation, Proof of Delivery and Copy of Refund Check in order to address the exception. 01/10/2019     1 A 06/15/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186260 25060779 1805077374 9328325 25060779-6542 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 Survey Fee. Fee Amount of $1,200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) Unable to locate a valid change of circumstance or a sufficient cure to the borrower.     Reviewer Comment (2019-01-10): Lender cured on PCCD dated 12/0618 by reflecting fee in section H. Fee not subject to tolerance. Seller Comment (2019-01-10): Borrower credit was provided on Final CD (highlighted) Borrower was also provided a PCCD and LOE with proof of mailing Please see all docs uploaded 1/10/19 Reviewer Comment (2018-12-21): PCCD was provided in the trailing docs reflecting optional Survey Fee in Section H of CD however coverletter/letter of explanation to borrower was not provided. Condition remains. Seller Comment (2018-12-20): Fee was moved to section H on the CD which doesn't adhere to a zero tolerance Reviewer Comment (2018-12-10): AMC requires Letter of Explanation, Proof of Delivery and Copy of Refund Check in order to address the exception.   01/10/2019   2 B 06/15/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186260 25060779 1805077374 9328431 25060779-4920 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 (3) business days of rate lock. The LE was issued on 5/9/18 but unable to locate verification of the date of receipt in the loan file.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 06/15/2018 GA Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186260 25060779 1805077374 9328515 25060779-4826 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 06/15/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/15/2018) 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 06/15/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186260 25060779 1805077374 9363914 25060779-6569 11/30/2018 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 06/15/2018 GA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186261 25060780 1804275300 9349527 25060780-6569 11/29/2018 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 05/29/2018 DE Second Home Purchase   C A A A C A C A Safe Harbor QM Safe Harbor QM No
205186261 25060780 1804275300 9349992 25060780-24185 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 $2,418.02 on Interim Closing Disclosure provided on 05/22/2018 not accurate. (Initial/05/22/2018) Interim CD disclosed escrowed property costs of $2,418.02; however the correct calculation for the monthly escrow payment listed of $219.82 should have been $2,637.84.     Reviewer Comment (2018-12-10): Upon further review, the exception is cleared. 12/10/2018     1 A 05/29/2018 DE Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Safe Harbor QM Safe Harbor QM Yes
205186261 25060780 1804275300 9349993 25060780-4016 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 04/27/2018 did not disclose the expiration date of estimated closing costs. (Interim/04/27/2018) 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 05/29/2018 DE Second Home Purchase Good Faith Redisclosure C A A A C A C A Safe Harbor QM Safe Harbor QM Yes
205186261 25060780 1804275300 9349994 25060780-4330 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 04/19/2018 did not contain the "Title-" description. (Initial/04/19/2018) Admin & Survey fee did not list as Title - desc fee under Sec H.     Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 05/29/2018 DE Second Home Purchase Good Faith Redisclosure C A A A C A C A Safe Harbor QM Safe Harbor QM Yes
205186261 25060780 1804275300 9349995 25060780-4330 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Title Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 04/27/2018 did not contain the "Title-" description. (Interim/04/27/2018) Admin & Survey fee did not list as Title - desc fee under Sec H.     Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-11-30): Duplicate. 02/21/2019     1 A 05/29/2018 DE Second Home Purchase Good Faith Redisclosure C A A A C A C A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9335106 25060781-24189 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 $9,146.06 on Interim Closing Disclosure provided on 08/22/2018 not accurate. (Initial/08/22/2018) CD issued on 08/22/18 Amount of Estimated Property Costs over Year 1 of $9,146.06/11 months = $831.46 and final CD reads cost over 1 year $9,425.68 / 11 months =$856.88. Please provided a break down of taxes and insurance on CD issued 08/22/18 to determine discrepancy.     Reviewer Comment (2018-12-12): Corrected on final CD. 12/12/2018     1 A 08/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9335545 25060781-4016 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 08/13/2018 did not disclose the expiration date of estimated closing costs. (Interim/08/13/2018) Loan Estimate provided on 08/13/2018 failed to disclose the expiration date of estimated closing costs.     Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/27/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9335546 25060781-4016 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 08/14/2018 did not disclose the expiration date of estimated closing costs. (Interim/08/14/2018) Loan Estimate provided on 08/14/2018 failed to disclose the expiration date of estimated closing costs.     Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/27/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9336608 25060781-4443 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Other Costs Total Section G (Initial Escrow Payment at Closing) TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 08/03/2018 disclosed Total Initial Escrow Payment at Closing that does not match sum of fees. (Initial/08/03/2018) Due to 2 separate Loan Estimates with the same issue date of 08/03/2018, the corresponding Total Initial Escrow Payment calculations discrepancy due to LE issued on 08/03/18 at 9:51 am has monthly hazard $75.00 and taxes $707.29 and CD issued on 08/03/18 at 3:13 pm reads hazard of $75.00 and taxes $717.71. It appears the difference is due to taxes increased monthly.     Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/27/2018 CA Primary Purchase Good faith redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9336609 25060781-4948 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Property Taxes Escrow TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 08/03/2018 disclosed property taxes figures under Initial Escrow Payment at Closing that does not match amount per month calculation. (Initial/08/03/2018) Due to 2 separate Loan Estimates with the same issue date of 08/03/2018, the corresponding Total Initial Escrow Payment calculations discrepancy due to LE issued on 08/03/18 at 9:51 am has monthly hazard $75.00 and taxes $707.29 and CD issued on 08/03/18 at 3:13 pm reads hazard of $75.00 and taxes $717.71. It appears the difference is due to taxes increased monthly.     Reviewer Comment (2019-02-21): Not in SFIG Review Scope Reviewer Comment (2018-12-05): Client elects to waive 02/21/2019     1 A 08/27/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9336849 25060781-4868 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 08/03/2018 did not contain the "optional" description. (Initial/08/03/2018) LE issued on 08/03/2018 at 9:51 am in section H reads Home Warranty and did not contain "optional" 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 08/27/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9342228 25060781-6411 11/29/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/08/24/2018) Unable to locate the Seller CD in file.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205186262 25060781 1808136115 9609661 25060781-5731 12/18/2018 Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Appraised value is $680,000. Desk Review dated 12/04/2018 reflects a value of $600,000, a -11.7647% variance.     Reviewer Comment (2018-12-31): 2055 value is less than a 10% variance. Value is $615,000.00 and original appraisal value is 680,000.00. Reviewer Comment (2018-12-31): 2055 dated 12/26/2018 has a value of $615,000.00 with a variance of 9.5588% 12/31/2018     1 A 08/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186270 25060789 1808168170 9340260 25060789-1003 11/29/2018 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 25% Ownership) income. (Richardson,Philip Imlak'esh Organics/Schedule K-1 less than 25 Percent)       Reviewer Comment (2019-01-03): Owner less than 25% is not considered SE under Appendix Q. Seller Comment (2019-01-03): Richardson was not added until 2016 01/03/2019     1 A 08/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186270 25060789 1808168170 9340264 25060789-7456 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 08/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Garrison,Tucker Imlak'esh Organics/S-Corp)       Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186270 25060789 1808168170 9340265 25060789-7456 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 08/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Richardson,Philip Imlak'esh Organics/Schedule K-1 less than 25 Percent)       Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186270 25060789 1808168170 9340316 25060789-6677 11/29/2018 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Caitlin/Dunn/1986299) Less than 2 years of employment have been documented.     Reviewer Comment (2019-01-18): Borrower correspondence 8/1/18 was provided in the trailing docs reflecting school, gaps, and employment history from 1/14 - present. Condition has been cleared. Seller Comment (2019-01-17): Email from borrower explaining work history dated 8/1/18. Uploaded 1/17/2019. Reviewer Comment (2019-01-15): Missing explanation of gap from consumer, xxxx. Processor cert would not satisfy requirement unless the processor spoke to the consumer and is able to document the conversation that was had with the consumer in regards to this gap, and that conversation occurred prior to consummation, then a processor cert may be reviewed. Reviewer Comment (2019-01-04): 01/04/19 lender commented on 01/03/19 that applies to Mr. Richardson. However this also applies to xxxx, we're missing Letter of Explanation on gap of employment dates from 05/02/16 - 10/23/16 as the transcripts indicate she was conferred in May of 2016.Exception remains. Reviewer Comment (2019-01-04): 01/04/19 Lender commented on 01/03/19 however this applies to Caitlin Dunn employment dates as well. Need an LOE for gap of employment on her from 05/02/16 -10/23/16. Reviewer Comment (2019-01-04): 01/04/19 lender commented on 01/03/19 that applies to Mr. Richardson, however the exception applies to Caitlin Dunn, we missing Letter of Explanation on gap of employment dates from 05/02/16 - 10/23/16 as the transcripts indicates she was conferred in May of 2016. Exception remains. Seller Comment (2019-01-03): Richardson was not added until 2016 01/18/2019     1 A 08/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186270 25060789 1808168170 9340317 25060789-20305 11/29/2018 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 08/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Garrison,Tucker Imlak'esh Organics/S-Corp) 2017 tax return extension in loan file.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186270 25060789 1808168170 9340318 25060789-20305 11/29/2018 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 08/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Richardson,Philip Imlak'esh Organics/Schedule K-1 less than 25 Percent) 2017 tax return extension in loan file.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205186270 25060789 1808168170 9340319 25060789-3867 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. Income documentation missing from loan file.     Reviewer Comment (2019-01-18): SHQM Loan Reviewer Comment (2019-01-04): 01/04/19 lender commented on 01/03/19 that applies to Mr. Richardson. However this also applies to Ms. Dunn, we're missing Letter of Explanation on gap of employment dates from 05/02/16 - 10/23/16 as the transcripts indicate she was conferred in May of 2016.Exception remains. Seller Comment (2019-01-03): Richardson was not added until 2016 01/18/2019     1 A 08/28/2018 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
205186271 25060790 1808226818 9346038 25060790-4436 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/09/06/2018) Receipt of appraisal documentation not provided.     Reviewer Comment (2018-12-04): Client elects to waive     12/04/2018 2 B 09/10/2018 CT Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186271 25060790 1808226818 9346043 25060790-24186 11/29/2018 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 $33,468.05 on Final Closing Disclosure provided on 09/07/2018 not accurate. (Final/09/07/2018) Disclosed Escrowed property costs in the amount of $33468.05 covers 11 months, Lender under disclosed costs by $3042.55     Reviewer Comment (2019-01-10): Lender cured on PCCD dated 01/09/19. Seller Comment (2019-01-10): PC CD and LOE received with corrections. Uploaded 1/10/19 Reviewer Comment (2019-01-04): AMC received the comment regarding flood insurance rounded. The allowable tolerance for the escrow account field on page four of the CD is $0.02 per month of escrowed costs or $0.24 for 12 months. Total disclosed on page four of CD is $33468.05 and documentation in images indicates total should be $33467.70 (11 months) ($1945 for hazard insurance, $4270 for flood insurance, and $30295.22 for property taxes). Letter of Explanation and Corrected CD required to cure. Seller Comment (2019-01-03): Lender rounded the hazard/flood by $.02 on each payment, thus causing the difference Reviewer Comment (2018-12-21): Additional flood policy was provided in the trailing docs. Calculated escrowed property costs over year 1 is $36,510.20 or $3042.51/month. ($1945 HOI + $4270 Flood + $15,147.60 x 2 tax). Final CD reflects $33,468.05 and $3042.55. Condition remains. Seller Comment (2018-12-21): Seller Comment (2018-12-10): Disagree - The borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of 11 months. Reviewer Comment (2018-12-11): Yearly property escrow appears to be $33,850.20. ($1610 flood, $1945 hazard and tax $30,295.20). AMC requires Letter of Explanation & Corrected Closing Disclosure in order to address the exception. 12/20- There are 2 Flood policies on this property. One to cover main home and a second to cover outbuildings. The 2nd policy is in the folder and should clear all of these conditions Reviewer Comment (2018-12-11): Yearly property escrow appears to be $33,850.20. ($1610 flood, $1945 hazard and tax $30,295.20). AMC requires Letter of Explanation & Corrected Closing Disclosure in order to address the exception. Seller Comment (2018-12-10): Disagree - The borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of 11 months.   01/10/2019   2 B 09/10/2018 CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186271 25060790 1808226818 9346044 25060790-4673 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 09/07/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/622262) Lender incorrectly disclosed annual Flood insurance as $4270 ($355.85 monthly escrow), actual total Flood policy annual cost is $1610 per Flood Policy Declarations page provided in loan file.     Reviewer Comment (2019-01-10): Lender cured on PCCD dated 01/09/19. Seller Comment (2019-01-10): PC CD and LOE received with corrections. Uploaded 1/10/19 Reviewer Comment (2019-01-04): AMC received the comment regarding flood insurance rounded. The allowable tolerance for the projected payments is $0.02 per month. The total escrow calculated is $3042.51 however CD indicates $3042.55 ($1945 for hazard insurance, $4270 for flood insurance, and $30295.22 for property taxes). Letter of Explanation and Corrected CD required to cure. Seller Comment (2019-01-03): Lender rounded the hazard/flood by $.02 on each payment, thus causing the difference Reviewer Comment (2018-12-21): Additional flood policy was provided in the trailing docs. Calculated escrow payment is $3042.51/month. ($1945 HOI + $4270 Flood + $15,147.60 x 2 tax / 12). Final CD reflects $3042.55. Condition remains. Seller Comment (2018-12-21): Seller Comment (2018-12-11): Disagree - The borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of 11 months Reviewer Comment (2018-12-11): Yearly property escrow appears to be $33,850.20. ($1610 flood, $1945 hazard and tax $30,295.20). AMC requires Letter of Explanation & Corrected Closing Disclosure in order to address the exception.   01/10/2019   2 B 09/10/2018 CT 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
205186271 25060790 1808226818 9346045 25060790-4612 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 09/07/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/622262) Estimated total payment is not matching the actual payment as a result of, Lender incorrectly disclosing annual Flood insurance as $4270 ($355.85 monthly escrow), actual total Flood policy annual cost is $1610 per Flood Policy Declarations page provided in loan file.     Reviewer Comment (2019-01-10): Lender cured on PCCD dated 01/09/19. Seller Comment (2019-01-10): PC CD and LOE received with corrections. Uploaded 1/10/19 Reviewer Comment (2018-12-21): Additional flood policy was provided in the trailing docs. Calculated escrow payment is $3042.51/month. ($1945 HOI + $4270 Flood + $15,147.60 x 2 tax / 12). Final CD reflects $3042.55. Condition remains. Reviewer Comment (2018-12-11): Yearly property escrow appears to be $33,850.20. ($1610 flood, $1945 hazard and tax $30,295.20). AMC requires Letter of Explanation & Corrected Closing Disclosure in order to address the exception. Seller Comment (2018-12-11): Disagree - The borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of 11 months   01/10/2019   2 B 09/10/2018 CT 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
205186271 25060790 1808226818 9346047 25060790-24185 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 $30,529.40 on Interim Closing Disclosure provided on 09/05/2018 not accurate. (Initial/09/05/2018) Disclosed Escrowed property costs in the amount of $30529.40 covers 11 months, Lender under disclosed costs by $2775.40     Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-11): Yearly property escrow appears to be $33,850.20. ($1610 flood, $1945 hazard and tax $30,295.20). AMC requires Letter of Explanation & Corrected Closing Disclosure in order to address the exception. Seller Comment (2018-12-10): Disagree - The borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of 11 months. 12/13/2018     1 A 09/10/2018 CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205186271 25060790 1808226818 9366805 25060790-6569 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): Received a Pro Teck desk review dated 12/11/2018 which provided a value of 1,150,000 a 0.00% variance from the appraised value of $1,150,000, value supported. 12/17/2018     1 A 09/10/2018 CT Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205186280 25060799 1808135200 9346634 25060799-22154 11/29/2018 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 08/28/2018, Transaction Date: 08/24/2018 Policy provided has Effective dates of 08/28/2018 whereas the disbursement date is 8/27/2018     Reviewer Comment (2018-12-11): PCCD and closing statement reflect disbursement date of 8/29/18. Hazard effective date 8/28/18. Condition has been cleared. Seller Comment (2018-12-11): Loan funded on 8/28/18, thus policy effective date is correct. Final CD saved in folder. 12/11/2018     1 A 08/24/2018 CA Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
205186285 25060804 1807276092 9339331 25060804-2868 11/29/2018 Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided         Reviewer Comment (2019-01-24): Contract addendum provided extending settlement date to 08/24/2018. Exception cleared. Seller Comment (2019-01-21): The purchase contract addendum has been obtained that shows the settlement date being extended to 8/24/18 and has been placed in the loan sale folder. Reviewer Comment (2019-01-07): 01/07/19, contract expired on 08/14/2018. File closed on 08/20/18. Need the addendum showing closing date can occur after 08/14/18. Exception remains. Seller Comment (2019-01-03): The loan did successfully close, so not understanding why we would need an addendum pushing the closing date out another 6 days Reviewer Comment (2018-12-11): Purchase contract and addendums were provided in the trailing docs reflecting closing date of 8/14/18. Actual closing date is 8/20/18. Condition remains. Seller Comment (2018-12-11): Disagree - Purchase contract located in LoanHD under "Contract of Sale". I also saved the "Addendum to the Contract" in the folder as well 01/24/2019     1 A 08/20/2018 UT Primary Purchase   D B D A C B A A Safe Harbor QM Safe Harbor QM No
205186285 25060804 1807276092 9344867 25060804-24185 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 $4,876.96 on Interim Closing Disclosure provided on 08/14/2018 not accurate. (Initial/08/14/2018) Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $4,876.96 on Interim Closing Disclosure provided on 08/14/2018 not accurate. (Initial/08/14/2018). Should be $5,320.32.     Reviewer Comment (2018-12-12): The amount provided on the final CD is accurate. Exception Cleared. Seller Comment (2018-12-11): Disagree -This finding is based on the "Initial CD" dated 8/14/18, ("Estimated Escrow" $443.36 x 12 months) when it should been calculated by 11 months as opposed to 12 because the borrower skips a month before their first payment is due since the interim interest was paid, thus reflecting the calculation of 11 months . Final CD dated 08/20/18 has been saved to the folder. 12/12/2018     1 A 08/20/2018 UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B A A Safe Harbor QM Safe Harbor QM Yes
205186285 25060804 1807276092 9345072 25060804-4868 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Undisclosed Optional Fees TILA-RESPA Integrated Disclosure - Other Costs: Loan Estimate provided on 08/06/2018 did not contain the "optional" description. (Interim/08/06/2018) Home Warranty was not marked "Optional"     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/20/2018 UT Primary Purchase Good Faith Redisclosure D B D A C B A A Safe Harbor QM Safe Harbor QM Yes
205186285 25060804 1807276092 9345074 25060804-4920 11/29/2018 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 (3) business days of rate lock. Revised Loan Estimate not provided within three (3) business days of rate lock. Rate Lock was on 7.27.18. Application date was 8.2.18. All Disclosures were provided on 8.2.18.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/20/2018 UT Primary Purchase No Defined Cure D B D A C B A A Safe Harbor QM Safe Harbor QM No
205186285 25060804 1807276092 9345076 25060804-6411 11/29/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/08/20/2018) Seller Closing Disclosure not located in the file. (Final/08/20/2018)     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 08/20/2018 UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B A A Safe Harbor QM Safe Harbor QM Yes
205258510 25392656 1809106982 9346882 25392656-6297 11/29/2018 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. No evidence provided borrower and authorized to receive electronic disclosures.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 10/15/2018 VA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
205258510 25392656 1809106982 9346883 25392656-24186 11/29/2018 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 $12,584.22 on Final Closing Disclosure provided on 10/15/2018 not accurate. (Final/10/15/2018) The Final CD dated 10/15/2018 reflects annual Escrowed Property Costs over Year 1 as being $12,584.0 on page 4. Section G on page 2 reflects annual costs annualized of $13,621.44.     Reviewer Comment (2018-12-17): Lender cured on PCCD dated 12/10/18.   12/17/2018   2 B 10/15/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205258510 25392656 1809106982 9346890 25392656-24185 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 $12,584.22 on Interim Closing Disclosure provided on 10/10/2018 not accurate. (Initial/10/10/2018) CD dated 10/10/2018 reflects annual Escrowed Property Costs over Year 1 as being $12,584 on page 4. Section G on page 2 reflects annual costs annualized of $13,621.44.     Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope 12/13/2018     1 A 10/15/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205258510 25392656 1809106982 9346893 25392656-4016 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 09/11/2018 did not disclose the expiration date of estimated closing costs. (Interim/09/11/2018) No expiration date of Estimated Closing Costs provided on 09/11/2018 LE.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 10/15/2018 VA Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205258510 25392656 1809106982 9346894 25392656-4016 11/29/2018 Compliance Compliance Federal Compliance TRID Loan Estimate Costs Good Through TILA-RESPA Integrated Disclosure: Loan Estimate provided on 08/03/2018 did not disclose the expiration date of estimated closing costs. (Interim/08/03/2018) No expiration date of Estimated Closing Costs provided on 08/03/2018 LE.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 10/15/2018 VA Primary Purchase Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205258510 25392656 1809106982 9346905 25392656-6411 11/29/2018 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/10/15/2018) No evidence was provided of Seller's Closing Disclosure.     Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 10/15/2018 VA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205258510 25392656 1809106982 9346992 25392656-24871 11/29/2018 Credit Note Document Error Missing Documentation: Complete non-subject financing information was not found in file. Lien Position: 2 Non-subject loan terms = Loan Amount: $128,297.00; Concurrent or Existing Lien: Simultaneous Lien; Current P&I: ; Current Balance: $128,297.00       Reviewer Comment (2018-12-17): Received subordinate lien note Seller Comment (2018-12-12): see attached subordination docs. 12/17/2018     1 A 10/15/2018 VA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205258510 25392656 1809106982 9348148 25392656-3831 11/29/2018 Credit Credit Miscellaneous Credit Exception:   Security Agreement Notary Date was written as 10/15/2022 in error. Should read 2018 that matches other closing documents. 2022 is the year the Notary License expires.     Reviewer Comment (2019-01-09): A corrected DOT with correct date was provided, an LOE stating the re-recording and evidence the new deed was recorded. Seller Comment (2019-01-09): see attached re-recorded DOT. Recorded info is located on the top left hand corner page 3. Reviewer Comment (2018-12-20): Cover letter was provided however proof that security instrument was sent for re-recording was not provided. Condition remains. Seller Comment (2018-12-19): see attached re-recorded DOT Reviewer Comment (2018-12-17): Received corrected security instrument however need proof corrected copy was recorded or proof updated document was sent for recording. Seller Comment (2018-12-17): corrected doc to follow. 01/09/2019     1 A 10/15/2018 VA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205258510 25392656 1809106982 9349696 25392656-6572 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/10/15/2018)       Reviewer Comment (2018-12-05): Client elects to waive     12/05/2018 2 B 10/15/2018 VA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205258510 25392656 1809106982 9349697 25392656-6583 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 Fee. Fee Amount of $900.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) It does not appear borrower was advised of the Appraisal fee of $900 that exceeds tolerance of $850 without a valid change of circumstance. No cure was provided to the borrower. Please provide evidence of cure / re-disclosure         11/29/2018   1 A 10/15/2018 VA Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205260584 25392654 1808296107 9390293 25392654-6572 12/03/2018 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/09/05/2018) Evidence of appraisal being delivered to borrower not provided in file.     Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 10/01/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205260584 25392654 1808296107 9390298 25392654-5149 12/03/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Insurance Prepaid Other 1 Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/28/2018 did not disclose number of months for Insurance Prepaid - Other under Prepaids. (Final/09/28/2018) Disclosure does not reflect number of months collected for other insurance; amount does not calculate to the collected amount of $2,162.     Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 10/01/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205260584 25392654 1808296107 9402211 25392654-24858 12/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Amount for Recording Fees TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/28/2018 disclosed the total amount for all recording fees on a line other than the first line. (Final/09/28/2018) Seller CD reflects a POA recording fee of $37 that is not on the first line.     Reviewer Comment (2018-12-19): Client elects to waive     12/19/2018 2 B 10/01/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205260584 25392654 1808296107 9402390 25392654-23688 12/04/2018 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Policy reflects coverage of $436,000; Appraisal Replacement Cost is $450,160; Loan Amount is $468,000.     Reviewer Comment (2019-01-10): Received insurer's replacement cost estimate of $436,000. Coverage is sufficient. Seller Comment (2019-01-10): Please see attached document uploaded 1/10/19 Reviewer Comment (2019-01-07): 01/07/19. Loan amount is $467,373.71. Hazard dwelling is $436,000.00. Appraisal total estimated cost new is $450,150.00. Please provide one of the following: 1)Hazard dec. page to show guaranteed replacement cost or 2) Replacement cost estimator to show lender insured value amount. Exceptions remains. Seller Comment (2019-01-04): Page 3 of the Appraisal shows Depreciated Cost of Improvements as $375,118.00. The Borrowers Hazard Dec Pg shows they have coverage of $436k which exceeds the amount listed as Depreciated Cost of Improvements from the appraisal which is lesser than the loan amount and what should be used. Reviewer Comment (2018-12-28): Confirmation of guaranteed replacement cost coverage nor replacement cost estimate was provided. Condition remains. Seller Comment (2018-12-28): "VVOE dated within 10 business days prior to note date as required per guidelines not provided in file. 12/20 VVOE on file is date 09/24 and Note date is 10/01. 10 days met. 12/21 Active business verified by Buisness registry " 01/10/2019     1 A 10/01/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205260584 25392654 1808296107 9402398 25392654-5404 12/04/2018 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Laurens Zieren VVOE - Employment Only VVOE dated within 10 business days prior to note date as required per guidelines not provided in file.     Reviewer Comment (2018-12-28): VVOE 9/24/18 was provided in the trailing docs and reflects employment status as active. Condition has been cleared. Seller Comment (2018-12-28): Please see attached. Please advise if this will clear the exception. 12/28/2018     1 A 10/01/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758085 25426028 1803288026 10004611 25426028-25350 01/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one origination valuation product when two are required.   Did not find a second Appraisal in the file.     Reviewer Comment (2019-01-22): Desk Review provided with no variance. Exception cleared. 01/22/2019     1 A 05/04/2018 DC Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758085 25426028 1803288026 10005368 25426028-4087 01/11/2019 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 (2019-01-22): Client elects to waive.     01/22/2019 2 B 05/04/2018 DC Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758085 25426028 1803288026 10023190 25426028-23477 01/11/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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 (2019-01-22): Client elects to waive.     01/22/2019 2 B 05/04/2018 DC Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758088 25426031 1802125371 9986850 25426031-4371 01/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/06/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/06/2018) Disclosure reflects closing date as 3/6/18; mortgage notary date is 3/7/18. Post Close CD dated 3/15/18 provided with correction.     Reviewer Comment (2019-01-10): Post Close CD dated 3/15/18 provided with correction.   01/10/2019   1 A 03/06/2018 CA Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C A A A B A C A Safe Harbor QM Safe Harbor QM Yes
205758088 25426031 1802125371 9986964 25426031-6569 01/10/2019 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. 01/22/2019     1 A 03/06/2018 CA Primary Refinance - Cash-out - Home Improvement   C A A A B A C A Safe Harbor QM Safe Harbor QM No
205758089 25426032 1803299141 10098144 25426032-855 01/14/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 04/07/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018 Loan Closed prior to the Disaster. Most Recent Valuation Inspection Date: 04/07/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018     Reviewer Comment (2019-01-30): Broker Property Condition Inspection 1/23/19 was provided in the trailing docs and reflects property is deemed to be in average condition. Condition has been cleared. 01/30/2019     1 A 04/13/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205758089 25426032 1803299141 10100133 25426032-4826 01/14/2019 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 04/13/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/13/2018) LA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/13/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/13/2018)     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/13/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205758089 25426032 1803299141 10100137 25426032-6542 01/14/2019 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 $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7713) TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower.     Reviewer Comment (2019-02-07): Received PCCD dated 02/06/19 reflecting seller paid fee in section H. Reviewer Comment (2019-01-24): Pest Inspection and HOA Doc fees are both on Seller's CD in Section C as Borrower chosen provider. They both should be disclosed in Section H. In addition, all Seller paid closing costs should be listed on the Consumer's CD. To cure move fees to the proper section (H) and provide a letter of explanation to the Borrower for the corrections. Seller Comment (2019-01-23): A $75 pest inspection fee nor a $200 HOA/condo questionnaire fee is listed on the LE nor the CD. Can you please advise where you are seeing this?   02/07/2019   2 B 04/13/2018 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
205758089 25426032 1803299141 10100140 25426032-6542 01/14/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77209) TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $200.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower. (77209)     Reviewer Comment (2019-02-07): Received PCCD dated 02/06/19 reflecting fee in section H. Issue cleared. Reviewer Comment (2019-01-24): Pest Inspection and HOA Doc fees are both on Seller's CD in Section C as Borrower chosen provider. They both should be disclosed in Section H. In addition, all Seller paid closing costs should be listed on the Consumer's CD. To cure move fees to the proper section (H) and provide a letter of explanation to the Borrower for the corrections.   02/07/2019   2 B 04/13/2018 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
205758089 25426032 1803299141 10110579 25426032-4371 01/14/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/13/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/13/2018) Final Closing Disclosure provided on 04/13/2018 disclosed a Closing Date of 04/13/2018 that did not match the actual date of consummation. The Notary Date is 04/15/2018.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/13/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205758089 25426032 1803299141 10112463 25426032-25350 01/14/2019 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 (2019-01-22): Desk Review provided with no variance. Exception cleared. 01/22/2019     1 A 04/13/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205758090 25426033 1804059283 10096201 25426033-4371 01/14/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 05/15/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/05/15/2018) The final CD reflects a closing date of 05/15/2018; however, the actual date of consummation was 05/16/2018. A post-close CD was issued 06/27/2018 disclosure the correct closing date.         01/14/2019   1 A 05/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205758090 25426033 1804059283 10096204 25426033-18604 01/14/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 05/15/2018 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.) (Final/05/15/2018) Te Borrower's final CD does not disclose any Seller-Paid fees. Additionally, the Seller CD was not provided.     Reviewer Comment (2019-01-24): AMC received PCCD correcting seller paid fees and LOE. Exception Cured.   01/24/2019   1 A 05/15/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205758090 25426033 1804059283 10100239 25426033-25350 01/14/2019 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 (2019-01-22): Desk Review provided with a -1.0521% variance. Exception cleared. 01/22/2019     1 A 05/15/2018 CA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205758092 25426035 1803298728 10102525 25426035-4613 01/14/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/20/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/04/20/2018) The final disclosure collected 12 months of prepaid homeowner insurance totaling $922.00; however, the monthly amount is $82.67 which would equal $992.04.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/23/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
205758092 25426035 1803298728 10110583 25426035-6569 01/14/2019 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. 01/22/2019     1 A 04/23/2018 MD Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
205758093 25426036 1802098806 9973087 25426036-25350 01/09/2019 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 (2019-01-22): Desk Review provided with no variance. Exception cleared. 01/22/2019     1 A 03/19/2018 CA Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758093 25426036 1802098806 9973122 25426036-2859 01/09/2019 Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided         Reviewer Comment (2019-01-18): Both mortgage loan payoffs were provided in the trailing docs. Condition has been cleared. Seller Comment (2019-01-17): Payoff statement uploaded 01/18/2019     1 A 03/19/2018 CA Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758093 25426036 1802098806 9976339 25426036-4846 01/09/2019 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 03/20/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/03/20/2018) Information not completed in Calculating Cash to Close box on page 3 of the Closing Disclosure (field is blank)     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 03/19/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205758094 25426037 1802169968 9984348 25426037-4846 01/10/2019 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 04/13/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/04/13/2018) Final disclosure fails to reflect the total closing costs financed in the calculating cash to close section, calculated total is $1,179.25     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/14/2018 IL 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
205758094 25426037 1802169968 9984350 25426037-6583 01/10/2019 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 Desk Review Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) verified.         01/10/2019   1 A 04/14/2018 IL Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205758094 25426037 1802169968 9984425 25426037-7038 01/10/2019 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/04/13/2018) Missing evidence that the borrower was provided the initial closing disclosure at least 3 business days prior to closing     Reviewer Comment (2019-02-06): Initial CD dated 04/11/2018 provided. Exception cleared. Reviewer Comment (2019-01-17): AMC received seller's correspondence. Please provide 04/11/2018 CD as it is not included in AMC's file. Seller Comment (2019-01-17): Signed initial CD dated 4/11/18. Final CD signed at closing on 4/14/18, thus no error. 02/06/2019     1 A 04/14/2018 IL Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
205758095 25426038 1802125591 9972339 25426038-3495 01/09/2019 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/04/10/2018) The acknowledgment of receipt of the appraisal was dated 4/5/18 when the appraisal Report Date was 4/10/2018.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 05/08/2018 VA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758095 25426038 1802125591 9978484 25426038-3831 01/09/2019 Credit Credit Miscellaneous Credit Exception:   The initial 1003 lists the borrower owning or retaining xxxx however the payment was not included to qualify. The loan images are missing either evidence the borrowers no longer hold ownership of this property or evidence of the total taxes, insurance and or HOA with an updated approval with a higher DTI.     Reviewer Comment (2019-01-25): Settlement statement provided showing borrower sold property on 01/26/2018. Exception cleared. Seller Comment (2019-01-21): The copy of the HUD1 from the sale of property which further documents the large deposit that was made into their bank account has been placed in the loan sale folder 01/25/2019     1 A 05/08/2018 VA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205758098 25426041 1802266913 9994850 25426041-4846 01/10/2019 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 04/09/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/04/09/2018) Disclosure does not reflect closing costs financed; calculated closing costs financed is $5,409.43.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/09/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205758098 25426041 1802266913 10004885 25426041-6572 01/11/2019 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/04/04/2018) Evidence of being provided to borrower not in file.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/09/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758098 25426041 1802266913 10004970 25426041-6569 01/11/2019 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.         Reviewer Comment (2019-01-24): Desk review provided with no variance. Exception cleared. 01/24/2019     1 A 04/09/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758098 25426041 1802266913 10013403 25426041-4264 01/11/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 10.15 is less than Guideline PITIA months reserves of 12.00.       Reviewer Comment (2019-01-25): Upon further review borrower has 12.41 months reserves. Exception cleared. Seller Comment (2019-01-23): PITIA for this loan is $5,288.34 (x12 = $63,460.08) and the excess available assets total higher than $63,460.08 so please help explain how the calculated PITIA months reserves is 10.15 01/25/2019     1 A 04/09/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758099 25426042 1802207215 9984036 25426042-6569 01/10/2019 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.   Missing secondary valuation.     Reviewer Comment (2019-01-24): Desk review provided with a -9.5581% variance. Exception cleared. 01/24/2019     1 A 04/02/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758099 25426042 1802207215 9984862 25426042-855 01/10/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/26/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018 The subject is located in a FEMA Disaster Area. A post-disaster inspection is required verifying there was no damage to the subject. The inspection must include exterior photos of the subject.     Reviewer Comment (2019-01-30): Broker Property Condition Inspection 1/24/19 was provided in the trialing docs and reflects no deferred maintenance. Condition has been cleared 01/30/2019     1 A 04/02/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758099 25426042 1802207215 9990558 25426042-6572 01/10/2019 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/03/01/2018) Missing evidence appraisal sent to Borrower(s) 3-days prior to closing.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 04/02/2018 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758102 25426045 1803085957 9993723 25426045-2859 01/10/2019 Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided         Reviewer Comment (2019-01-17): Received mortgage loan payoff statement. 01/17/2019     1 A 03/20/2018 CT Primary Refinance - Cash-out - Other   C A C A A A C A Safe Harbor QM Safe Harbor QM No
205758102 25426045 1803085957 9998176 25426045-6569 01/10/2019 Property Property - Appraisal Appraisal Reconciliation Missing secondary valuation product required for securitization.         Reviewer Comment (2019-01-24): Desk review provided with no variance. Exception cleared. 01/24/2019     1 A 03/20/2018 CT Primary Refinance - Cash-out - Other   C A C A A A C A Safe Harbor QM Safe Harbor QM No
205758103 25426046 1804048430 10049191 25426046-25350 01/11/2019 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 (2019-01-24): Desk review provided with no variance. Exception cleared. 01/24/2019     1 A 05/02/2018 ID Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
205758104 25426047 1803129127 10006270 25426047-22166 01/11/2019 Property Property - Appraisal Appraisal Data Integrity Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 05/08/2018 Appraisal dated 05/08/2018 with effective date of 04/06/2018. Appraiser expiration date is 04/30/2018     Reviewer Comment (2019-01-24): Appraisers renewal license was updated with effective date of 05/01/2018. Exception cleared. Seller Comment (2019-01-21): Appraisal is dated 4/6/18, effective date is 4/6/18, appraiser license expiration date is 4/30/18. 5/8/18 is the date of signature on the report which is not the date the appraisal was completed. The appraisal license was valid at time the appraisal was done. 01/24/2019     1 A 05/11/2018 CT Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758104 25426047 1803129127 10007775 25426047-4088 01/11/2019 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. ABA dated 03/15/2017. Application dated 02/22/2017     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 05/11/2018 CT Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758104 25426047 1803129127 10008005 25426047-6411 01/11/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/05/11/2018) Missing Seller CD     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 05/11/2018 CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205758104 25426047 1803129127 10040224 25426047-3495 01/11/2019 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/05/08/2018) Evidence in file reflects appraisal was provided on 04/27/18, however report date is 05/08/18.     Reviewer Comment (2019-01-22): Client elects to waive.     01/22/2019 2 B 05/11/2018 CT Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205758104 25426047 1803129127 10040599 25426047-23086 01/11/2019 Credit Assets Asset Calculation / Analysis Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of $130,989.04 is less than Cash From Borrower $182,744.63.       Reviewer Comment (2019-01-25): Upon further review borrower has sufficient assets to close. Exception cleared. 01/25/2019     1 A 05/11/2018 CT Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205883636 25656033 102990546 10307299 25656033-3867 01/25/2019 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 is the expected result.     Reviewer Comment (2019-02-01): Bonafide points and fees worksheet provided in the trailing docs. Condition has been cleared 02/01/2019     1 A 12/14/2018 TX 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
205883636 25656033 102990546 10307300 25656033-2683 01/25/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.92556% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $18,463.70 on a Federal Total Loan Amount of $470,345.81 vs. an allowable total of $14,110.37 (an overage of $4,353.33 or .92556%). Points and fees exceed applicable threshold. Missing evidence of undiscounted rate to determine portion that is bona fide and can be excluded.     Reviewer Comment (2019-02-01): Bonafide points and fees worksheet provided in the trailing docs. Condition has been cleared 02/01/2019     1 A 12/14/2018 TX 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 A A Safe Harbor QM Safe Harbor QM Yes
205883636 25656033 102990546 10307303 25656033-6542 01/25/2019 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 $985.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7564) Fee was not disclosed on Loan Estimate.     Reviewer Comment (2019-01-30): Upon further review, the exception is cleared. 01/30/2019     1 A 12/14/2018 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
205883636 25656033 102990546 10308775 25656033-4850 01/25/2019 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 12/14/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/14/2018) Cure of $1,280.80 was not provided for invalid increases to four 0% tolerance fees and the decrease of the Lender Credit.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 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
205883636 25656033 102990546 10308776 25656033-6331 01/25/2019 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 $-45.00. (9300) A Lender Credit of $45.00 was disclosed on the CD issued on 12/07/2018 but was not disclosed on the consumer's final CD. No valid change of circumstance is provided for this change.     Reviewer Comment (2019-02-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD received. Seller Comment (2019-02-05): Please see attachment   02/06/2019   2 B 12/14/2018 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
205883636 25656033 102990546 10308777 25656033-6542 01/25/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75204) Fee was not disclosed on Loan Estimate.     Reviewer Comment (2019-01-30): Upon further review, the exception is cleared. 01/30/2019     1 A 12/14/2018 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
205883636 25656033 102990546 10309109 25656033-6542 01/25/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7552) Fee was not disclosed on Loan Estimate. No valid change of circumstance provided for addition of fee.     Reviewer Comment (2019-02-06): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD received. Seller Comment (2019-02-05): Please see attachment Reviewer Comment (2019-01-30): AMC requires Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD in order to address the exception.   02/06/2019   2 B 12/14/2018 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
205883636 25656033 102990546 10320029 25656033-6542 01/25/2019 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 $500.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) Fee disclosed as $450.00 on LE dated 07/23/2018, but disclosed as $500.00 on Final Closing Disclosure. No valid change of circumstance is provided to support the fee increase.     Reviewer Comment (2019-01-30): Upon further review, the exception is cleared. 01/30/2019     1 A 12/14/2018 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
205883638 25656035 600113344 10296652 25656035-4850 01/24/2019 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 01/04/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/04/2019) Cure of $145.40 on the PCCD dated 1/9/2019 is insufficient to cure increases to Loan Discount Points of $304.50, Credit Report Fee of $28.00, Appraisal fee of $75.00 and Total Recording Fees of $39.00. The total cure required to the borrower is $446.50     Reviewer Comment (2019-02-05): AMC received Proof of Delivery. Exception Cured.   02/05/2019   2 B 12/31/2018 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
205883638 25656035 600113344 10296653 25656035-6543 01/24/2019 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 $225.00 exceeds tolerance of $186.00 plus 10% or $204.60. Insufficient or no cure was provided to the borrower. (0) The $20.40 provided at closing within the cost exceeding the legal limit was not shown to be satisfied with either a check to the borrower or principle reduction.     Reviewer Comment (2019-01-25): The final CD lists the credit given to the borrower at closing to cure the fee of $20.40 overage charged exceeding the 10% tolerance fee   01/25/2019   2 B 12/31/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205883638 25656035 600113344 10296654 25656035-6542 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 Appraisal Fee. Fee Amount of $525.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) Fee disclosed as $450.00 on LE dated 11/16/2018, but disclosed as $525.00 on Final Closing Disclosure.     Reviewer Comment (2019-02-05): AMC received Proof of Delivery. Exception Cured. Seller Comment (2019-02-04): tracking Reviewer Comment (2019-01-30): AMC received PCCD indicating an additional cure of $103, Refund Check, LOE, and Shipping Label. The tracking number indicates package to be delivered tomorrow. Please indicate when Proof of Delivery is available to cure. Seller Comment (2019-01-30): Proof Tolerance Cure   02/05/2019   2 B 12/31/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205883638 25656035 600113344 10296655 25656035-6542 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 Credit Report Fee. Fee Amount of $63.00 exceeds tolerance of $35.00. Insufficient or no cure was provided to the borrower. (7520) Fee disclosed as $63.00 on LE dated 11/16/2018, but disclosed as $35.00 on Final Closing Disclosure.     Reviewer Comment (2019-02-05): AMC received Proof of Delivery. Exception Cured. Seller Comment (2019-02-04): tracking Reviewer Comment (2019-01-30): AMC received PCCD indicating an additional cure of $103, Refund Check, LOE, and Shipping Label. The tracking number indicates package to be delivered tomorrow. Please indicate when Proof of Delivery is available to cure. Seller Comment (2019-01-30): Proof Tolerance Cure   02/05/2019   2 B 12/31/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205883638 25656035 600113344 10310590 25656035-4824 01/25/2019 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 01/04/2019 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/01/04/2019) The tax service fee is listed as paid to lender and the loan images are missing evidence this was paid to a third party with an invoice.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/31/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883638 25656035 600113344 10310592 25656035-6542 01/25/2019 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 $1,175.37 exceeds tolerance of $870.87. Insufficient or no cure was provided to the borrower. (7200) No valid reason for the fee increase is provided. Fee disclosed as $1,114 on LE 11/16/2018, but disclosed as $1,175.37 on Final Closing Disclosure.     Reviewer Comment (2019-01-29): AMC received VCC for fee change. Seller Comment (2019-01-29): COC 01/29/2019     1 A 12/31/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
205883639 25656036 400306097 10289420 25656036-4826 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 12/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/26/2018) This section was left incomplete     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/27/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883639 25656036 400306097 10289424 25656036-6543 01/24/2019 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 $675.00 exceeds tolerance of $500.00 plus 10% or $550.00. Insufficient or no cure was provided to the borrower. (0) $125.00 violation due to increase in Total Recording Fees. No evidence of cure provided.     Reviewer Comment (2019-02-08): AMC received HUD-1 Settlement Statement verifying the amount buyer paid for recording was $450.00 less than the amount disclosed on the LE. Seller's CD disclosed Seller paid recording fees were for the releases of the mortgages, this is considered a typcial Seller paid fee. Exception cleared. Seller Comment (2019-02-08): Hello, May I have an update on this loan. Thank you Reviewer Comment (2019-02-05): Per Seller's CD the Transfer Tax was $7,305.00 and the recording fees paid by Seller were $225. Please provide a final ALTA settlement statement to verify fees charged at closing. Seller Comment (2019-02-04): Hello, $225.00 is for Transfer Tax paid by Seller. Not Recording Fees Reviewer Comment (2019-01-31): Seller's CD disclosed an additional $225 in recording fees for Deed and Mortgage. Final CD disclosed $450 recording fees paid by Borrower. A final ALTA settlement statement was not provided to verify what amounts were paid by whom. Seller Comment (2019-01-30): Please recalculate. It should be 10% of all Fees. We are not out of tolerance. Thank you Seller Comment (2019-01-30): The LE and Initial CD has a Fee of $500.00 for the Recording Fees, We only Charged $450.00 on the Final CD, Please Advise 02/08/2019     1 A 12/27/2018 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
205883639 25656036 400306097 10289425 25656036-6542 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 Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) Fee was not disclosed on Loan Estimate.     Reviewer Comment (2019-02-04): AMC received attestation Survey was a Borrower chosen service, not required by Lender or title. The fee was moved to Section H. No refund or proof of delivery is required. Reviewer Comment (2019-01-31): AMC received a PCCD moving the survey fee to Section H. Need an attestation as to whom required the survey to determine if a refund will be required. Subject is a condo kn NJ and it is not typical for a survey to be required on an individual unit in a high rise condo project. Seller Comment (2019-01-30): Please see revised Closing Disclosure   02/04/2019   2 B 12/27/2018 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
205883640 25656037 400303447 10306827 25656037-25454 01/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-20): Proteck provided supporting the current value 02/20/2019     1 A 01/04/2019 MA Primary Purchase   C A C A C A C A Safe Harbor QM Safe Harbor QM No
205883640 25656037 400303447 10308369 25656037-6543 01/25/2019 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 $2,275.00 exceeds tolerance of $2,053.00 plus 10% or $2,258.30. Insufficient or no cure was provided to the borrower. (0) $2,275.00 violation due to increase in Title - Lender's Title Insurance and Total Recording Fees. No evidence of cure.     Reviewer Comment (2019-01-29): Upon further review, the exception is cleared. Seller Comment (2019-01-28): Good afternoon, loan is not out of tolerance, borrower shopped for services and they are listed in section C. 01/29/2019     1 A 01/04/2019 MA 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 C A Safe Harbor QM Safe Harbor QM Yes
205883640 25656037 400303447 10328628 25656037-4826 01/26/2019 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 01/03/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/03/2019) This section was incomplete as a credit of $16.70 is required to cure the 10% tolerance fee failure.     Reviewer Comment (2019-01-29): Upon further review, the exception is cleared. Seller Comment (2019-01-28): Good afternoon, loan is not out of tolerance, borrower shopped for services and they are listed in section C. 01/29/2019     1 A 01/04/2019 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A Safe Harbor QM Safe Harbor QM Yes
205883640 25656037 400303447 10337656 25656037-3831 01/28/2019 Credit Credit Miscellaneous Credit Exception:   The loan images contain a contract to purchase, dated 12/24/2018, a Tesla for $49700. The file is missing evidence of no new debt was incurred or an LOE stating the borrower intends to purchase for cash and not through a financial institution affecting the DTI     Reviewer Comment (2019-02-01): Upon further review, Tesla purchase contract reflects $49,700 and debit from checking account to Tesla on 12/26/18 reflects $51,622.80. Condition has been cleared. Seller Comment (2019-02-01): On 1/28 uploaded borrower statement that shows ACH DEBIT to TESLA Motors - please review and clear condition - uploaded again. thank you 02/01/2019     1 A 01/04/2019 MA Primary Purchase   C A C A C A C A Safe Harbor QM Safe Harbor QM No
205883641 25656038 400293074 10355431 25656038-846 01/29/2019 Credit Insurance Insurance Documentation Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage.   No HO-6 policy noted in file and the master policy does not appear to include walls in.     Reviewer Comment (2019-02-12): Exception cleared. Seller Comment (2019-02-12): Hi- condition is still coded as a 3 on the report. Can you clear. Thanks Reviewer Comment (2019-02-06): Upon further review, property is a co-op and H06 coverage is not applicable. Condition has been cleared. Seller Comment (2019-02-06): Hello Please see upload of COOP insurance documentation. Borrower is covered by the COOP's policy - no ho6 is needed. 02/12/2019     1 A 12/27/2018 NY Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
205883641 25656038 400293074 10355546 25656038-25454 01/29/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-20): Proteck provided supporting the value 02/20/2019     1 A 12/27/2018 NY Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
205883641 25656038 400293074 10357026 25656038-4376 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/21/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/12/21/2018) Final Closing Disclosure provided on 12/21/2018 disclosed a finance charge of $446,224.78, calculated finance charge are $446,385.78, resulting in a variance of -$161.00 (final CD section H has Compliance Audit/Quality Control fee $150.00 and Courier Fee $11.00 were both paid by the buyer before closing) . To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.     Reviewer Comment (2019-02-07): AMC received an attestation that the Due Diligence Questionaire fee would not be an APR fee, excluded from Finance Charge calculation. No refund required. Seller Comment (2019-02-06): Hello, The fee in question in section H is not an APR fee. All APR charges were accounted for. Would you please re-review and clear? Thanks! 02/07/2019     1 A 12/27/2018 NY 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 C A Safe Harbor QM Safe Harbor QM Yes
205883641 25656038 400293074 10357178 25656038-25422 01/29/2019 Credit Guideline Guideline Issue (Condotel, Co-op, Manufactured Housing, Mixed Use) property is not permitted per Guidelines.   Ineligible property per guidelines. Property is a Co-Op and ineligible per lender guidelines. 14 months reserves 801 FICO 30.51% DTI Aggregator Aggregator Aggregator Reviewer Comment (2019-02-08): Client elects to waive. Coop meets agency requirements.     02/08/2019 2 B 12/27/2018 NY Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
205883641 25656038 400293074 10360338 25656038-3495 01/29/2019 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/10/11/2018) The Appraisal was sent and received on 10/05/18.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/27/2018 NY Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
205883642 25656039 400307000 10313247 25656039-22154 01/25/2019 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 01/21/2019, Transaction Date: 01/10/2019 Hazard Insurance Policy Effective Date 01/21/2019, Transaction Date: 01/10/2019. Final CD disbursement date is 01/10/19     Reviewer Comment (2019-02-07): Updated evidence of insurance along with processor cert was provided in the trailing docs reflecting effective date 1/10/19. Condition has been cleared. Reviewer Comment (2019-02-01): Updated evidence of insurance provided in trailing docs reflecting effective date of 01/10/19 however property information and annual premium were not reflected on this updated evidence of insurance. Condition remains. 02/07/2019     1 A 01/10/2019 WA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205883642 25656039 400307000 10313700 25656039-25319 01/25/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.       Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/10/2019 WA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205883642 25656039 400307000 10313739 25656039-6623 01/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/09/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/01/09/2019) The Lender Contact Name is not provided on the consumer's final CD.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/10/2019 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
205883644 25656041 400298699 10318397 25656041-4826 01/25/2019 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 12/13/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/13/2018) No cure was listed for tolerance fee failures     Reviewer Comment (2019-01-31): AMC received a PCCD and Letter of Explanation moving the Survey Fee from Section C to Section H. An attestation was provided indicating the survey was not a lender requirement, therefore considered Borrower chosen service. No refund is required.   01/31/2019   2 B 12/14/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883644 25656041 400298699 10318399 25656041-6543 01/25/2019 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 $593.00 exceeds tolerance of $500.00 plus 10% or $550.00. Insufficient or no cure was provided to the borrower. (0) Seller paid Recording Fee for Release was not disclosed on Loan Estimate.     Reviewer Comment (2019-01-30): Buyer's portion of the recording fee was $500 dollars which and the LE disclosed $500 dollars. Purchase Contract states Seller must pay for transfer deed to the property. Seller Comment (2019-01-29): I do not see a Seller paid recording fee for release on the CD. PLease point it out. We disclosed on the LE a recording fee of $500 which the same was charged at closing. Please advise. 01/30/2019     1 A 12/14/2018 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
205883644 25656041 400298699 10318401 25656041-6542 01/25/2019 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 $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) Fee was not disclosed on Loan Estimate.     Reviewer Comment (2019-01-31): AMC received a PCCD and Letter of Explanation moving the Survey Fee from Section C to Section H. An attestation was provided indicating the survey was not a lender requirement, therefore considered Borrower chosen service. No refund is required. Seller Comment (2019-01-31): survey fees are not a requirement. Please clear this condition. Reviewer Comment (2019-01-30): AMC received a PCCD moving the Survey Fee from Section C to Section H. Please provide an attestation if this service was a requirement of the Lender or Title company.   01/31/2019   2 B 12/14/2018 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
205883645 25656042 400298116 10320914 25656042-4826 01/25/2019 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 12/11/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/11/2018) Due to 10% tolerance violation.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/17/2018 CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883645 25656042 400298116 10320916 25656042-6543 01/25/2019 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 $366.00 exceeds tolerance of $321.00 plus 10% or $353.10. Insufficient or no cure was provided to the borrower. (0) A cure of $12.90 is required for the 10% tolerance failure     Reviewer Comment (2019-02-04): AMC received final ALTA verifying the recording fees that were charged to the Consumer were $306, less than originally disclosed on LE. Reviewer Comment (2019-01-31): Cleared in error, need final ALTA statement. Reviewer Comment (2019-01-31): Buyer's portion of recording fees charged is $306 on final CD, originally disclosed as $321 on LE. Seller paid recording of $60 reflected on Seller's CD. Please final ALTA settlement statement to verify actual fees charged to Borrower and seller, if they match final CD, no refund is due. Seller Comment (2019-01-30): Section F is Prepaid's - these are not 10% fees. Please advise Reviewer Comment (2019-01-30): The fees in question are in section F; and include seller fees, which we are required to include in the total contractually, In order to address the exception please provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2019-01-29): Hello - Borrower chose their own attorney. Fees in the 10% section did not increase. CD is not out of tolerance. Please re-review and clear condition. Thank you 02/04/2019     1 A 12/17/2018 CT 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
205883645 25656042 400298116 10342790 25656042-3495 01/28/2019 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/11/08/2018)       Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/17/2018 CT Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883646 25656043 400297796 10324353 25656043-25506 01/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 9,819.12 on Final Closing Disclosure provided on 12/05/2018 not accurate. (Final/12/05/2018) Per the tax cert provided the annual taxes are $8785.68 which is $732.14 monthly whereas the final CD lists the month tax as $728.76 which would be annual taxes of $8745.12     Reviewer Comment (2019-02-04): Letter of Explanation & Corrected Closing Disclosure provided. Reviewer Comment (2019-01-31): The PCCD received us stamped as "Draft," and therefore unusable, and a LOE is required in order to clear this exception.   02/04/2019   2 B 12/07/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883646 25656043 400297796 10324354 25656043-4673 01/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/05/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/678115) Per the tax cert provided the annual taxes are $8785.68 which is $732.14 monthly whereas the final CD lists the month tax as $728.76 which would be annual taxes of $8745.12     Reviewer Comment (2019-02-04): Letter of Explanation & Corrected Closing Disclosure provided. A refund is not required therefore no proof of delivery is needed. Reviewer Comment (2019-01-31): The PCCD received us stamped as "Draft," and therefore unusable, and a LOE is required in order to clear this exception.   02/04/2019   2 B 12/07/2018 PA 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
205883646 25656043 400297796 10324355 25656043-4612 01/25/2019 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 12/05/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/678115) Per the tax cert provided the annual taxes are $8785.68 which is $732.14 monthly whereas the final CD lists the month tax as $728.76 which would be annual taxes of $8745.12     Reviewer Comment (2019-02-04): Letter of Explanation & Corrected Closing Disclosure provided. A refund is not required therefore no proof of delivery is needed. Reviewer Comment (2019-01-31): The PCCD received us stamped as "Draft," and therefore unusable, and a LOE is required in order to clear this exception.   02/04/2019   2 B 12/07/2018 PA 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
205883646 25656043 400297796 10324356 25656043-4826 01/25/2019 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 12/05/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/05/2018) Legal limit exceeded due to undisclosed and under-disclosed fees.     Reviewer Comment (2019-02-04): No refund is needed as only fee was transfer taxes paid by seller. 02/04/2019     1 A 12/07/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883646 25656043 400297796 10324357 25656043-6411 01/25/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/05/2018) Seller closing disclosure is missing.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/07/2018 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883647 25656044 400297038 10327963 25656044-5366 01/26/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 53.52060% exceeds Guideline total debt ratio of 43.00000%. Income used to qualify from xxxx is not supported. The verified income for the borrower is $25,219.77and the CB $25,219.77 at 24.5% ownership each. Per the income worksheet 32.20% was used. The file is missing any year earnings from a pay stub or draw for each owner.     Reviewer Comment (2019-02-14): Sch G is only the report of voting stock whereas schedule 1125 lists the percentage of ownership for all parties. The income is increased and the DTI meets QM Reviewer Comment (2019-02-07): Several documents were re-uploaded in the trailing docs. Cash flow re-uploaded reflects 32.20% ownership however Schedule G from 1120 reflects only 24.50% ownership. Calculated income remains $25,219.77. Condition remains. Seller Comment (2019-02-07): copy of tax return Reviewer Comment (2019-02-01): DTI 49.11644% exceeds guideline maximum of 43%. Ownership % verified for each borrower was 24.50%. 2017 calculated income was $25,219.77 vs $28,527.71 that was submitted. Condition remains. Seller Comment (2019-01-30): Borrower is self employed, they pay themselves , we don't need to provide you with a paystubs, YTD earning , we provided you with all their tax returns 02/14/2019     1 A 01/14/2019 FL Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205883647 25656044 400297038 10328280 25656044-6583 01/26/2019 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 $500.00 exceeds tolerance of $425.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)           01/26/2019   1 A 01/14/2019 FL Second Home Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205883647 25656044 400297038 10328281 25656044-6583 01/26/2019 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 $5.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579)           01/26/2019   1 A 01/14/2019 FL Second Home Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205883647 25656044 400297038 10328282 25656044-6583 01/26/2019 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 Tax Service Fee (Life Of Loan). Fee Amount of $70.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7580)           01/26/2019   1 A 01/14/2019 FL Second Home Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205883647 25656044 400297038 10328289 25656044-5695 01/26/2019 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. The DTI exceeds the allowable 43% per Appendix Q     Reviewer Comment (2019-02-14): Sch G is only the report of voting stock whereas schedule 1125 lists the percentage of ownership for all parties. The income is increased and the DTI meets QM 02/14/2019     1 A 01/14/2019 FL Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205883647 25656044 400297038 10328291 25656044-3867 01/26/2019 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. Loan does not meet QM requirements for DTI     Reviewer Comment (2019-02-14): Sch G is only the report of voting stock whereas schedule 1125 lists the percentage of ownership for all parties. The income is increased and the DTI meets QM 02/14/2019     1 A 01/14/2019 FL Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
205883647 25656044 400297038 10328292 25656044-1257 01/26/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase     Reviewer Comment (2019-02-14): Sch G is only the report of voting stock whereas schedule 1125 lists the percentage of ownership for all parties. The income is increased and the DTI meets QM 02/14/2019     1 A 01/14/2019 FL Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205883647 25656044 400297038 10348496 25656044-25035 01/28/2019 Compliance Compliance Federal Compliance General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 53.52060% significantly exceeds the guideline maximum of 43.00%. (DTI Exception cannot be compensated to a lower grade.)       Reviewer Comment (2019-02-14): Sch G is only the report of voting stock whereas schedule 1125 lists the percentage of ownership for all parties. The income is increased and the DTI meets QM Reviewer Comment (2019-02-07): Several documents were re-uploaded in the trailing docs. Cash flow re-uploaded reflects 32.20% ownership however Schedule G from 1120 reflects only 24.50% ownership. Calculated income remains $25,219.77. Condition remains. 02/14/2019     1 A 01/14/2019 FL Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205883647 25656044 400297038 10348800 25656044-3831 01/28/2019 Credit Credit Miscellaneous Credit Exception:   Per the 1003 the debt with Nissan of $8393 was excluded with a payment of $396.00. The file is missing evidence of paid off as this was not included on the final CD as paid off     Reviewer Comment (2019-02-01): Upon further review, xxxxx is listed on both borrower's credit reports and has already been included in DTI. Condition has been cleared. Seller Comment (2019-01-30): Please see credit report this account is a duplicate 02/01/2019     1 A 01/14/2019 FL Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM No
205883648 25656045 400295374 10349630 25656045-25506 01/28/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 18,730.68 on Final Closing Disclosure provided on 12/05/2018 not accurate. (Final/12/05/2018) Per the final CD the taxes used were $1421.31 which would be $4263.93 quarterly however the tax cert provided lists the quarterly tax cost as $4271.67. The actual cost over year 1 for taxes are $17,086.68 and $1675 for HOI for a first year total of $18761.68     Reviewer Comment (2019-01-29): AMC received Letter of Explanation & Corrected Closing Disclosure.   01/29/2019   2 B 12/06/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883648 25656045 400295374 10349631 25656045-4673 01/28/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/05/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/678482) Per the final CD the taxes used were $1421.31 which would be $4263.93 quarterly however the tax cert provided lists the quarterly tax cost as $4271.67. The actual cost over year 1 for taxes are $17,086.68 and $1675 for HOI for a first year total of $18761.68     Reviewer Comment (2019-01-29): AMC received Letter of Explanation, Proof of Delivery and Corrected CD.   01/29/2019   2 B 12/06/2018 NJ 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
205883648 25656045 400295374 10349632 25656045-4612 01/28/2019 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 12/05/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/678482) Per the final CD the taxes used were $1421.31 which would be $4263.93 quarterly however the tax cert provided lists the quarterly tax cost as $4271.67. The actual cost over year 1 for taxes are $17,086.68 and $1675 for HOI for a first year total of $18761.68     Reviewer Comment (2019-01-29): AMC received Letter of Explanation, Proof of Delivery and Corrected CD.   01/29/2019   2 B 12/06/2018 NJ 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
205883649 25656046 103185425 10368771 25656046-4087 01/29/2019 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 (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/03/2019 TX Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883651 25656048 400300396 10388155 25656048-3867 01/30/2019 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 employment dates from previous employers for both borrowers. Co-borrower started a new job on 01/02/19 and awaiting 1st paystub.     Reviewer Comment (2019-02-08): SHQM Loan Reviewer Comment (2019-02-08): Escalated for review 02/08/2019     1 A 01/16/2019 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
205883651 25656048 400300396 10392275 25656048-24137 01/30/2019 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. (xxxx) Missing VVOE to confirm dates of employment on previous employer from KIPP NYC.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/16/2019 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883651 25656048 400300396 10392276 25656048-5683 01/30/2019 Compliance Compliance Federal Compliance Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (Alvardo,Norma Harlem Children's Zone/Wages) We have an employer in file along with a VVOE that borrower started with employer on 01/02/19. Missing 1st paystub.     Reviewer Comment (2019-02-08): Escalated for review Seller Comment (2019-02-07): Hello - would you please advise in regards to our rebuttal stating the paystub is not required per guides? Thanks! Seller Comment (2019-02-01): Hello - per our underwriter - Our guides do not require a paystub for new employment. Would you please escalate and clear? Thank you. 02/08/2019     1 A 01/16/2019 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883651 25656048 400300396 10392278 25656048-3315 01/30/2019 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) We have an employer in file along with a VVOE that borrower started with employer on 01/02/19. Missing 1st paystub.     Reviewer Comment (2019-02-08): Third party evidence within the loan file evidencing her income Reviewer Comment (2019-02-08): Escalated for review 02/08/2019     1 A 01/16/2019 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883651 25656048 400300396 10398010 25656048-24137 01/31/2019 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. (Jose/Gutierrez/2262780) Missing VVOE on previous employer from Nobel America to confirm dates on employment.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/16/2019 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883653 25656050 600112662 10352774 25656050-4371 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/14/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/14/2019) Closing Date reported as 1/18/2019, however, document was signed 1/14/2019.     Reviewer Comment (2019-01-29): PCCD reflects closing date of 01/14/19   01/29/2019   1 A 01/14/2019 WA 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
205883653 25656050 600112662 10352775 25656050-25513 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/14/2019 did not disclose Estimated Property Costs over Year 1. (Final/01/14/2019) Field is blank on consumer's final CD. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-02-25): Letter of Explanation & Corrected Closing Disclosure provided. Exception cured. Seller Comment (2019-02-25): updated docs Reviewer Comment (2019-02-15): AMC received PCCD indicating estimated property costs over year of $16269.06. The calculated property costs are $992.08 HOI + $15277.31 Taxes=$16269.39. Please provide corrected CD and LOE to cure. Seller Comment (2019-02-15): LOE AND CD   02/25/2019   2 B 01/14/2019 WA 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
205883653 25656050 600112662 10352855 25656050-4428 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/14/2019 did not disclose whether the loan will have an escrow account. (Final/01/14/2019) Fields were blank on consumer's final CD. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-02-15): AMC received PCCD correcting escrow account and LOE. Exception Cured. Seller Comment (2019-02-15): LOE AND CD   02/15/2019   2 B 01/14/2019 WA 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
205883653 25656050 600112662 10352856 25656050-5180 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/14/2019 did not disclose number of months for Property Tax under Prepaids. (Final/01/14/2019) Field was blank on consumer's final CD. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/14/2019 WA 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
205883653 25656050 600112662 10352857 25656050-4407 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/14/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/01/14/2019) Field was blank on consumer's final CD. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-02-15): AMC received PCCD correcting escrow account section and LOE. Exception Cured. Seller Comment (2019-02-15): LOE AND CD   02/15/2019   2 B 01/14/2019 WA 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
205883653 25656050 600112662 10352858 25656050-4850 01/29/2019 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 01/14/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/14/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/14/2019 WA 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
205883653 25656050 600112662 10352867 25656050-6542 01/29/2019 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 $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) Fee was disclosed on Loan Estimate issued on 12/20/2018, however, no valid changed circumstance was documented.     Reviewer Comment (2019-02-15): AMC received 12/20/2018 COC. Exception Cleared. Seller Comment (2019-02-15): COC 02/15/2019     1 A 01/14/2019 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883653 25656050 600112662 10357253 25656050-4394 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/14/2019 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/01/14/2019) Field Review noted significant difference in value, thus, the lower value was used for LTV calculations and was disclosed on the CD.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/14/2019 WA 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
205883653 25656050 600112662 10362141 25656050-23897 01/29/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 12/20/2018 received on or after the date the Closing Disclosure 12/21/2018 12:00:00 AM was received. (Interim/12/20/2018) No documentation is provided to show the actual receipt date of the LE issued on 12/20/2018. The presumed receipt date of the LE is 12/24/2018 and the Issue Date of the initial CD is 12/21/2018.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/14/2019 WA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883654 25656051 400307056 10360803 25656051-6582 01/29/2019 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 $133.00 exceeds tolerance of $97.00 plus 10% or $106.70. Sufficient or excess cure was provided to the borrower at Closing. (0) A cure in the amount of $26.30 was giver at closing.         01/29/2019   1 A 01/15/2019 NH Primary Refinance - Rate/Term Final CD evidences Cure C A A A A A C A Safe Harbor QM Safe Harbor QM Yes
205883654 25656051 400307056 10361337 25656051-25454 01/29/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-20): proteck provided supporting the origination value 02/20/2019     1 A 01/15/2019 NH Primary Refinance - Rate/Term   C A A A A A C A Safe Harbor QM Safe Harbor QM No
205883655 25656052 400304185 10585769 25656052-25454 02/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-22): Desk Review provided with no variance. Exception cleared. 02/22/2019     1 A 01/28/2019 NY Primary Purchase   C B C B C A C A Safe Harbor QM Safe Harbor QM No
205883655 25656052 400304185 10590509 25656052-6677 02/11/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Jacqueline/Oak/2328085) There is not an explanation for Borrower 1's gap between school and employment.     Reviewer Comment (2019-02-13): Gap letter in file. Exception cleared. 02/13/2019     1 A 01/28/2019 NY Primary Purchase   C B C B C A C A Safe Harbor QM Safe Harbor QM No
205883655 25656052 400304185 10590512 25656052-3867 02/11/2019 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 the gap of employment the transaction does not meet QM for a continuous two year history.     Reviewer Comment (2019-02-13): Gap letter in file. Exception cleared. 02/13/2019     1 A 01/28/2019 NY Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Safe Harbor QM Safe Harbor QM Yes
205883655 25656052 400304185 10601915 25656052-4259 02/12/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Property type discrepancy. Appraisal property type of Co-op does not match Guideline property type of Single Family Detached. Per guidelines Co-Op properties are not eligible. 32.49% DTI 795 FICO 47 months reserves Aggregator Aggregator Aggregator Reviewer Comment (2019-02-13): Client elects to waive. Seller Comment (2019-02-12): There is no GAP...bwr was doing an internship up until AUG 19, 2017. Started new job on 09/18/2017     02/13/2019 2 B 01/28/2019 NY Primary Purchase   C B C B C A C A Safe Harbor QM Safe Harbor QM No
205883656 25656053 400302906 10401288 25656053-6542 01/31/2019 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 $975.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7561) Borrower agreed to receive electronic disclosures on 11/19/18, however LE is dated (11/16/18) prior to E-Consent date. Unable to determine when the initial LE was sent to the borrower     Reviewer Comment (2019-02-08): AMC received E Consent. Exception Cleared. Seller Comment (2019-02-07): The Electronic Records and Signature is only the notice that is sent to the borrower. The document you are referring to being signed at 07:32:31 AM is not the consent to receive electronic documents. When the borrower enters our website the first option is whether she would like to review her documents electronically or if she request her docs paper completed. As you can see per the disclosure tracking provided the borrower chose to receive electronic documents at the time she logged in. In addition if you look at the E-Sign Process Summary recorded her single sign on 11/19/18 at 7:30:26. Reviewer Comment (2019-02-07): AMC reviewed Consent Agreement and Loan Estimate. The Loan Estimate was signed by the borrower on 11/19/2018 at 7:31:11 AM while consent to receive electronic disclosures was signed on 11/19/2018 at 7:32:31 AM. Consent was received after the Loan Estimate was viewed and signed. Corrected CD, Cure Check, Proof of Delivery and LOE to borrower required to cure. Seller Comment (2019-02-06): The Initial LE was generated and sent on 11/16/18, however, the borrower didn't acknowledge the Initial Disclosure Package until 11/19/18. 02/08/2019     1 A 01/23/2019 NY Primary Purchase 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
205883657 25656054 400297613 10563485 25656054-6542 02/08/2019 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 $150.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (7552) A Cure in the amount of $25.00 was provided at closing for this fee.     Reviewer Comment (2019-02-12): The final CD provided the borrower a cure of $25.00 over legal limit to cure   02/12/2019   2 B 01/30/2019 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
205883657 25656054 400297613 10603672 25656054-990 02/12/2019 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) Pay stub is dated 10/14/2018 which is not within 90 days of the note. Note is dated 1/30/2019.     Reviewer Comment (2019-02-19): Lender obtained a paystub from the consumer with a pay date of 10/12/18 on a loan with an application date of 10/17/2018. Therefore the most recent paystub as of the application date. Reviewer Comment (2019-02-14): This pool of transactions are being tested against Safe Harbor Appendix Q 1026 which requires income to be verified within and prior to 90 days. The Appendix Q documentation requirements would supersede AUS and lender guidelines. Seller Comment (2019-02-13): Hello - our guidelines state the documentation is good for 120 days, so it would not have expired until 2/11. Please clear. Thanks! Seller Comment (2019-02-12): Why 90 days? Doesn't this follow agency guide since appendix Q doesn't address this? agency allows up to 120 days. 02/19/2019     1 A 01/30/2019 PA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883657 25656054 400297613 10603673 25656054-3867 02/12/2019 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. Per QM the pay stub or verification of income must be dated within 90 days of the note. Currently the WVVOE is dated 11/9/2018 and the note is dated 1/30/2019     Reviewer Comment (2019-02-19): Loan is SHQM Reviewer Comment (2019-02-14): A Verbal was provided however the failure is due to the income source stream over 90 days. Please provide either an updated pay stub or a Written VVOE with income dated within 90 days of the note dated 1/30/2019 02/19/2019     1 A 01/30/2019 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
205883658 25656055 400307410 10456129 25656055-25454 02/04/2019 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 secondary valuation at time of securitization.     Reviewer Comment (2019-02-21): Desk Review provided with no variance. Exception cleared. 02/21/2019     1 A 01/25/2019 NJ Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205883658 25656055 400307410 10456551 25656055-6411 02/04/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/24/2019) Missing Seller's CD.     Reviewer Comment (2019-02-12): Client elects to waive.     02/12/2019 2 B 01/25/2019 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205883658 25656055 400307410 10456587 25656055-6677 02/04/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Matthew/Lee/2297797) Explanation letter was not provided for gap in employment. Also, VOE for previous employment does not verify dates of employment.     Reviewer Comment (2019-02-14): Per the written vvoe the borrower ended prior employer on 2/2/2018 and started the current employment on 2/26/2018 so there is not a 30 day gap Seller Comment (2019-02-12): there is no gap in employment. Previous employment ended 02/02/2018, new one started 03/2018. 02/14/2019     1 A 01/25/2019 NJ Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205883658 25656055 400307410 10456588 25656055-3867 02/04/2019 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 gap of employment and previous VOE to confirm dates of employment.     Reviewer Comment (2019-02-14): Per the written vvoe the borrower ended prior employer on 2/2/2018 and started the current employment on 2/26/2018 so there is not a 30 day gap 02/14/2019     1 A 01/25/2019 NJ Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205883658 25656055 400307410 10663516 25656055-24137 02/14/2019 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. (Matthew/Lee/2297797) Per the written vvoe the borrower ended prior employer on 2/2/2018 and started the current employment on 2/26/2018 so there is not a 30 day gap     Reviewer Comment (2019-02-14): A VVOE was provided to support the prior employment history 02/14/2019     1 A 01/25/2019 NJ Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205883659 25656056 400295351 10365602 25656056-25319 01/29/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.       Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/01/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883659 25656056 400295351 10365604 25656056-6411 01/29/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/11/29/2018) The Seller's Closing Disclosure is missing from the loan images.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883660 25656057 400286802 10365495 25656057-4371 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/20/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/20/2018) Disclosure reflects Closing Date as 12/20/18; Notary date is 12/21/2018.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/20/2018 OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883660 25656057 400286802 10365497 25656057-4376 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/20/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/12/20/2018) Disclosure reflects Finance Charge as $690,138.94; calculated is $693,827.81. Difference amount is $3,688.87 (Rate Lock Fee) which exceeds the max allowable tolerance of $100 for purchases. Itemization not provided. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-01-31): Difference is due to Rate Lock fee which was refunded at close. Exception cleared. 01/31/2019     1 A 12/20/2018 OR 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 Safe Harbor QM Safe Harbor QM Yes
205883660 25656057 400286802 10368940 25656057-929 01/29/2019 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.   Copy of 442 provided in file is missing pages.     Reviewer Comment (2019-02-07): Missing page 1 of 1004D was provided in the trailing docs. Condition has been cleared. 02/07/2019     1 A 12/20/2018 OR Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883661 25656058 400285538 10354722 25656058-3495 01/29/2019 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/11/15/2018) Missing borrower's acknowledgement receipt a copy of appraisal at closing.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 11/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883661 25656058 400285538 10354724 25656058-25319 01/29/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.       Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 11/20/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883661 25656058 400285538 10354733 25656058-3867 01/29/2019 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. QM Points exceeds the threshold by 0.21051%. Allowable is 3.00% and the final CD fee's are 3.21051%. .     Reviewer Comment (2019-02-01): Bonafide points and fees worksheet was provided in the trailing docs. Condition has been cleared 02/01/2019     1 A 11/20/2018 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
205883661 25656058 400285538 10355108 25656058-2683 01/29/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.21051% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,291.12 on a Federal Total Loan Amount of $507,430.33 vs. an allowable total of $15,222.90 (an overage of $1,068.22 or .21051%). Points and Fees total $16,291.12 is above the allowable total of $15,222.90 (an overage of $1,068.22 or .21051%).     Reviewer Comment (2019-02-01): Bonafide points and fees worksheet was provided in the trailing docs. Condition has been cleared 02/01/2019     1 A 11/20/2018 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 Safe Harbor QM Safe Harbor QM Yes
205883662 25656059 400292852 10356304 25656059-25158 01/29/2019 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. Need an actual rate lock confirmation to capture date.     Reviewer Comment (2019-02-06): Client elects to waive     02/06/2019 2 B 12/14/2018 CT Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883662 25656059 400292852 10356306 25656059-1330 01/29/2019 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 borrower's acknowledgement receipt of this form.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CT Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883662 25656059 400292852 10356555 25656059-3879 01/29/2019 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. Missing borrower's acknowledgement receipt of this form.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CT Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883664 25656061 400263832 10358242 25656061-23931 01/29/2019 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: Commitment       Reviewer Comment (2019-02-05): Short form policy was provided in the trailing docs reflecting loan policy amount of $604,773. Condition has been cleared. 02/05/2019     1 A 12/28/2018 GA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883664 25656061 400263832 10358699 25656061-25454 01/29/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-20): Proteck provided supporting the origination value 02/20/2019     1 A 12/28/2018 GA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883664 25656061 400263832 10361434 25656061-6623 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/26/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/12/26/2018) Final Closing Disclosure provided on 12/26/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). Fields were blank.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/28/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883664 25656061 400263832 10361436 25656061-4826 01/29/2019 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 12/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/26/2018) Final Closing Disclosure provided on 12/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/28/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883664 25656061 400263832 10361443 25656061-6542 01/29/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $70.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77179) Title - Processing Fee. Fee Amount of $70.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-02-11): Hartley, Rowe & Fowler disclosed on SSPL has a different address then the xxxx the borrower selected, confirmed from SSPL address and Settlement Statement address for xxxx - exception cleared borrower shopped Seller Comment (2019-02-08): Please see attached, they are not the same location as we disclosed on the SSPL Reviewer Comment (2019-02-08): AMC received correspondence. The settlement agents site indicates xxxxx was previously xxxx. It is not a separate address. Please provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD to cure. Seller Comment (2019-02-07): Sorry about that. The CD has the wrong address for the Settlement Agent. Please see attached PCCD and LOE to borrower. I provided a copy of the Settlement Statement to show we had the wrong address on our CD. Reviewer Comment (2019-02-06): AMC received lender's correspondence however the address on the SSPL and settlement agent are the same. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. 02/11/2019     1 A 12/28/2018 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
205883664 25656061 400263832 10361444 25656061-6542 01/29/2019 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 $195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7727) Title - Examination Fee Amount of $195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-02-11):xxxx disclosed on SSPL has a different address then the xxxx the borrower selected, confirmed from SSPL address and Settlement Statement address for Hartley, Rowe & Fowler - exception cleared borrower shopped Seller Comment (2019-02-08): Please see attached, they are not the same location as we disclosed on the SSPL Reviewer Comment (2019-02-08): AMC received correspondence. The settlement agents site indicates xxxxx was previously xxxx. It is not a separate address. Please provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD to cure. Seller Comment (2019-02-07): Sorry about that. The CD has the wrong address for the Settlement Agent. Please see attached PCCD and LOE to borrower. I provided a copy of the Settlement Statement to show we had the wrong address on our CD. Reviewer Comment (2019-02-06): AMC received lender's correspondence however the address on the SSPL and settlement agent are the same. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. 02/11/2019     1 A 12/28/2018 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
205883664 25656061 400263832 10363276 25656061-22708 01/29/2019 Credit Legal / Regulatory / Compliance Title / Lien Defect Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $604,660.00 is less than the note amount of $604,773.00 based on the title evidence in file. The title commitment has the proposed Policy amount as $604,660.00.     Reviewer Comment (2019-02-05): Short form policy was provided in the trailing docs reflecting loan policy amount of $604,773. Condition has been cleared. 02/05/2019     1 A 12/28/2018 GA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883665 25656062 400275640 10366579 25656062-25454 01/29/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-20): Proteck provided supporting the origination value 02/20/2019     1 A 12/14/2018 FL Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205883665 25656062 400275640 10366971 25656062-18604 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 12/14/2018 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.) (Final/12/14/2018) No seller paid fees reflected on Seller CD.     Reviewer Comment (2019-02-05): New construction sold by the builder no seller paid fees. buyer responsible for closing costs. Seller Comment (2019-02-04): Here's the seller CD showing no seller closing costs 02/05/2019     1 A 12/14/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205883665 25656062 400275640 10367176 25656062-7115 01/29/2019 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. Disclosure does not match amount on the final CD. CD reflects $3148.91 disclosure reflects $4198.53,     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 FL Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205883665 25656062 400275640 10370766 25656062-6583 01/30/2019 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 $486.45 exceeds tolerance of $420.00. Sufficient or excess cure was provided to the borrower at Closing. (7564) Sufficient cure provided n Final CD.         01/30/2019   1 A 12/14/2018 FL Primary Purchase Final CD evidences Cure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205883666 25656063 400294948 10370894 25656063-4087 01/30/2019 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. Missing borrowers signature     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/24/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883666 25656063 400294948 10370913 25656063-4371 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/24/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/24/2018) CD Dated 12/24/18 signed on 12/28/18     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883666 25656063 400294948 10370921 25656063-6411 01/30/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/24/2018) Seller Closing Disclosure not located in the file.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883666 25656063 400294948 10371057 25656063-6331 01/30/2019 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-144.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,419.00. (9300) LE issued on 10/03/2018 showed an amount of -$3,419.00. Consumer final CD reflects $144.00     Reviewer Comment (2019-02-08): AMC received attestation in form of a comment that the lender was not opened on Thanksgiving or on the day after Thanksgiving. Reviewer Comment (2019-02-07): AMC reviewed the timing of the initial LE, even with the holiday, and weekend, the last day for disclosure would be 11/27/18. Initial LE was issued on 11/28/18 and does not meet the 3 day timing. Seller Comment (2019-02-06): 11/21 was on a Wednesday We don�t count 11/22 (thanksgiving) 11/23(LD was closed), 11/24 and 11/25 (weekend, we are not open). So, it starts on 11/26, 11/27, 11/28. Reviewer Comment (2019-02-05): Change of Circumstance sates lender was made aware of the rate lock on 11/21/2018. However, the revised LE did not get issued until 11/28/2018 which is more than 3 business days after the lender was made aware of the changes. Seller Comment (2019-02-04): COC 02/08/2019     1 A 12/24/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883666 25656063 400294948 10371078 25656063-6542 01/30/2019 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 $14,927.46 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Loan Discount Points Fee was not disclosed on the initial LE. On the interim LE issued on 11/28/2018 reflects $22,560.00. Initial CD issued on 12/20/18 and interim CD issued on 12/24/18 both reflects $14,927.46, The final CD reads $14,927.46. 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 (2019-02-08): AMC received attestation in form of a comment that the lender was not opened on Thanksgiving or on the day after Thanksgiving. Reviewer Comment (2019-02-05): Change of Circumstance sates lender was made aware of the rate lock on 11/21/2018. However, the revised LE did not get issued until 11/28/2018 which is more than 3 business days after the lender was made aware of the changes. Seller Comment (2019-02-04): COC 02/08/2019     1 A 12/24/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883666 25656063 400294948 10371120 25656063-4826 01/30/2019 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 12/24/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/24/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2019-02-06): Client elects to waive. Reviewer Comment (2019-02-05): Change of Circumstance sates lender was made aware of the rate lock on 11/21/2018. However, the revised LE did not get issued until 11/28/2018 which is more than 3 business days after the lender was made aware of the changes.     02/06/2019 2 B 12/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883666 25656063 400294948 10371494 25656063-23385 01/30/2019 Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: 12/13/2018 According to the Purchase Contract, the City Is Lake Forest. The note and Security Instrument have it as Lake Forrest. It is misspelled.     Reviewer Comment (2019-02-05): The spelling issue does not affect eligibility as the name and legal remain the same. The spelling of Forest over Forrest are non material Seller Comment (2019-01-31): How can we resolved this? City name should be xxxxx. Do you need docs to be re-signed? If so, what documents need to be resigned? 02/05/2019     1 A 12/24/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883666 25656063 400294948 10371946 25656063-23383 01/30/2019 Credit Insurance Insurance Analysis Insurance address does not match Note address.   City is lake Forest. Note and Security instrument read; Forrest"     Reviewer Comment (2019-02-05): The spelling issue does not affect eligibility as the name and legal remain the same. The spelling of Forest over Forrest are non material Seller Comment (2019-02-04): The City name is spelled incorrectly. How do you want us to resolve this? 02/05/2019     1 A 12/24/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883666 25656063 400294948 10371949 25656063-23387 01/30/2019 Credit System General Flood Certificate Subject Address does not match Note address.   City is Lake Forest. Note and Security instrument read; Forrest"     Reviewer Comment (2019-02-05): The spelling issue does not affect eligibility as the name and legal remain the same. The spelling of Forest over Forrest are non material Seller Comment (2019-02-05): The City name is incorrect on the NOTE. How do you want us to correct this? 02/05/2019     1 A 12/24/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883668 25656065 400303069 10374748 25656065-1015 01/30/2019 Compliance Compliance Federal Compliance Overtime Bonus Declining Unable to determine compliance with Overtime / Bonus income requirements due to missing information. (xxxxx) Safe Harbor QM requires a two year history of income. Currently the borrower has only been receiving commission and bonus income with the current employer. All other verified prior employment no bonus or commission was earned.     Reviewer Comment (2019-02-14): using the 1099 from the same employer inputting a base and commission only and removing any bonus income earnings the DTI remained within guidelines and meets QM Reviewer Comment (2019-02-14): The employer email does not address when the borrower was working with xxxx to confirm the 1099 received and schedule C income reported. There is a total 1099 earnings of $192,792.23 but there is no sufficient way to determine the split of commission and or bonus. Please provide a more detailed letter indicating when the borrower started as a sub-contractor and how much of the 1099 would be considered bonus earnings outside of the commission earnings. Seller Comment (2019-02-14): Please see explanation from underwriter and employer Reviewer Comment (2019-02-07): Lender explanation was provided in the trailing docs reflecting income merely changed from 1099 to W2. Per 1099s and Schedule C, previous income was only $59,525.23 for 2016 and $133,267. YTD commission and bonus income used is not supported by 2 year history. Breakdown of previous bonus and commission income not provided to confirm eligible amount. Condition remains. Seller Comment (2019-02-07): Please see attached explanation from underwriting 02/14/2019     1 A 12/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883668 25656065 400303069 10374749 25656065-1016 01/30/2019 Compliance Compliance Federal Compliance Overtime Bonus Method of Calculation Unable to determine compliance with Overtime / Bonus income requirements due to missing information. (Gonzales,Roman Venice Bakery/Bonus) Safe Harbor QM requires a two year history of income. Currently the borrower has only been receiving commission and bonus income with the current employer. All other verified prior employment no bonus or commission were earned.     Reviewer Comment (2019-02-14): using the 1099 from the same employer inputting a base and commission only and removing any bonus income earnings the DTI remained within guidelines and meets QM Reviewer Comment (2019-02-14): The employer email does not address when the borrower was working with xxxx to confirm the 1099 received and schedule C income reported. There is a total 1099 earnings of $192,792.23 but there is no sufficient way to determine the split of commission and or bonus. Please provide a more detailed letter indicating when the borrower started as a sub-contractor and how much of the 1099 would be considered bonus earnings outside of the commission earnings. Seller Comment (2019-02-14): Please see explanation from underwriter and employer Reviewer Comment (2019-02-07): Lender explanation was provided in the trailing docs reflecting income merely changed from 1099 to W2. Per 1099s and Schedule C, previous income was only $59,525.23 for 2016 and $133,267. YTD commission and bonus income used is not supported by 2 year history. Breakdown of previous bonus and commission income not provided to confirm eligible amount. Condition remains. Seller Comment (2019-02-07): Please see attached explanation from underwriting 02/14/2019     1 A 12/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883668 25656065 400303069 10374751 25656065-3867 01/30/2019 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 requires a two year history of income. Currently the borrower has only been receiving commission and bonus income with the current employer. All other verified prior employment no bonus or commission were earned.     Reviewer Comment (2019-02-14): using the 1099 from the same employer inputting a base and commission only and removing any bonus income earnings the DTI remained within guidelines and meets QM Reviewer Comment (2019-02-14): The employer email does not address when the borrower was working with Venice Bakery to confirm the 1099 received and schedule C income reported. There is a total 1099 earnings of $192,792.23 but there is no sufficient way to determine the split of commission and or bonus. Please provide a more detailed letter indicating when the borrower started as a sub-contractor and how much of the 1099 would be considered bonus earnings outside of the commission earnings. Reviewer Comment (2019-02-07): Lender explanation was provided in the trailing docs reflecting income merely changed from 1099 to W2. Per 1099s and Schedule C, previous income was only $59,525.23 for 2016 and $133,267. YTD commission and bonus income used is not supported by 2 year history. Breakdown of previous bonus and commission income not provided to confirm eligible amount. Condition remains. Seller Comment (2019-02-07): Please see attached explanation from underwriting 02/14/2019     1 A 12/28/2018 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
205883668 25656065 400303069 10374752 25656065-25319 01/30/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. No seller CD provided to confirm paid fees     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/28/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883668 25656065 400303069 10374753 25656065-4371 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/28/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/28/2018) The final CD lists the closing date as 12/28/2018 whereas the notary date is 12/29/2018     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/28/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883668 25656065 400303069 10374755 25656065-18604 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 12/28/2018 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.) (Final/12/28/2018) Due to missing seller CD     Reviewer Comment (2019-02-08): No closing costs listed on Seller's CD matches consumer's final CD. Seller Comment (2019-02-07): The Seller did not pay any fees that would be listed on page 2 of the consumer's CD. The only things were Seller credit and prorations. The seller credit is listed on the Consumer's CD and we are not required to show Seller prorations, only fees that would be on Page 2. Please review and advise. Reviewer Comment (2019-02-05): AMC received Seller's CD. The exception is pertaining to the consumer's CD. TRID requires any fee that is charged to the Seller to be reflected on the Consumer's CD as a Seller paid fee as well. Please provide corrected CD and LOE to cure. 02/08/2019     1 A 12/28/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883668 25656065 400303069 10390537 25656065-25506 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 9,822.12 on Final Closing Disclosure provided on 12/28/2018 not accurate. (Final/12/28/2018) Per the tax certification the xxxxx rate is 1.05084% with an additional xxx of $664.38. The total taxes are Property $9194.83 plus $664.38 for a new annual amount, from the sales price, $9859.21 which is a monthly fee of $821.60 and not $769.76 as reported on the final and all interim CD     Reviewer Comment (2019-02-05): AMC received PCCD correcting escrow payment and LOE. Exception Cured.   02/05/2019   2 B 12/28/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883668 25656065 400303069 10390538 25656065-4673 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/28/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/681284) Per the tax certification the xxxxx rate is 1.05084% with an additional xxx of $664.38. The total taxes are Property $9194.83 plus $664.38 for a new annual amount, from the sales price, $9859.21 which is a monthly fee of $821.60 and not $769.76 as reported on the final and all interim CD     Reviewer Comment (2019-02-05): AMC received PCCD correcting escrow payment and LOE. Exception Cured.   02/05/2019   2 B 12/28/2018 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
205883668 25656065 400303069 10390539 25656065-4612 01/30/2019 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 12/28/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/681284) Per the tax certification the Ad Valorem rate is 1.05084% with an additional Levy of $664.38. The total taxes are Property $9194.83 plus $664.38 for a new annual amount, from the sales price, $9859.21 which is a monthly fee of $821.60 and not $769.76 as reported on the final and all interim CD     Reviewer Comment (2019-02-05): AMC received PCCD correcting escrow payment and LOE. Exception Cured.   02/05/2019   2 B 12/28/2018 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
205883669 25656066 400304310 10402052 25656066-2922 01/31/2019 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal not provided         Reviewer Comment (2019-02-01): Appraisal report date 12/8/18 was provided in the trailing docs. Appraisal completed As-Is. Condition has been cleared. 02/01/2019     1 A 12/24/2018 CA Primary Purchase   D B D A C B C A Safe Harbor QM Safe Harbor QM No
205883669 25656066 400304310 10403031 25656066-4922 01/31/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: WILDFIRES Disaster Declaration Date: 10/10/2017 Disaster End Date: 11/01/2017 Missing appraisal report from documents. Unable to determine appraisal inspection date.     Reviewer Comment (2019-02-01): Appraisal report date 12/8/18 was provided in the trailing docs. Appraisal completed As-Is. Condition has been cleared. 02/01/2019     1 A 12/24/2018 CA Primary Purchase   D B D A C B C A Safe Harbor QM Safe Harbor QM No
205883669 25656066 400304310 10403537 25656066-25454 01/31/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   An internal desk review is documented in the loan file. Missing the actual appraisal from the loan docs.     Reviewer Comment (2019-02-21): Desk Review provided with a variance of -4.7619%. Exception cleared. 02/21/2019     1 A 12/24/2018 CA Primary Purchase   D B D A C B C A Safe Harbor QM Safe Harbor QM No
205883669 25656066 400304310 10406534 25656066-6331 01/31/2019 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,403.21 is less than amount of binding Lender Credit previously disclosed in the amount of $-4,918.00. (9300) Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,403.21 is less than amount of binding Lender Credit previously disclosed in the amount of $-4,918.00. Missing proof of valid change.     Reviewer Comment (2019-02-13): AMC received VCC for Lender Credit decrease, due to loan amount change, relocking to extend rate and delayed closing on Seller side. 02/13/2019     1 A 12/24/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B C A Safe Harbor QM Safe Harbor QM Yes
205883669 25656066 400304310 10406535 25656066-6411 01/31/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/24/2018) Seller CD missing from loan documents     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B C A Safe Harbor QM Safe Harbor QM Yes
205883669 25656066 400304310 10408980 25656066-2808 01/31/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-02-01): Final Approval 1/28/19 was uploaded in the trailing docs. Condition has been cleared. 02/01/2019     1 A 12/24/2018 CA Primary Purchase   D B D A C B C A Safe Harbor QM Safe Harbor QM No
205883670 25656067 400299290 10368931 25656067-4826 01/29/2019 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 01/08/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/08/2019) Tolerance cure at closing was $339.60.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/10/2019 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
205883670 25656067 400299290 10368933 25656067-6543 01/29/2019 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 $538.00 exceeds tolerance of $124.00 plus 10% or $136.40. Insufficient or no cure was provided to the borrower. (0) The cure should have been $401.60 for the 10% tolerance fee     Reviewer Comment (2019-02-08): Seller paid $62 for recording release. Borrower recording fee was disclosed as $124. Borrower paid $476. 10% fee $124 x 10% = $136.40. $476 - 134.40 = $339.60. A cure of $339.60 was provided to borrower at closing Seller Comment (2019-02-07): Hello The 10% tolerance cure on the CD is correct. LE darted 11/14/18 lists recording fees of 124.00 Final CD shows recording fees of 476.00 the difference being 352.00. Ten% of 124.00 is 12.40. 35200 - 12.40= 339.60 which is what was given on the CD. Please confirm with your compliance manager and clear. Thank you!! 02/08/2019     1 A 01/10/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
205883670 25656067 400299290 10368934 25656067-6542 01/29/2019 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 $57,850.25 exceeds tolerance of $38,122.00. Insufficient or no cure was provided to the borrower. (8304) Seller paid taxes were $35,877.50     Reviewer Comment (2019-02-08): Per NYS taxation The tax is paid by the grantor (seller). Exception cleared. Borrower portion was $34,672.75 Seller Comment (2019-02-07): Hello again There is no 0% tolerance here. LE dated 11/14/18 shows Transfer Tax aka Mansion Tax, Mortgage Tax exc. as 37922.00. CD show Mansion tax 12,700.00 and Mortgage Tax 21,972.75 totaling 34,672.75 which is under what was disclosed on the LE. This breakdown is accepted for all other investors for transfer taxes. There is no violation here. Please bring this to your compliance manager and clear. Thank you!! 02/08/2019     1 A 01/10/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
205883670 25656067 400299290 10368995 25656067-24137 01/29/2019 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. (Dannah/Blin/2268619) The file verified .70/year for the current employer and 1.05 years for previous employer. For Safe Harbor a two year history is required and the file is missing prior employment dates from Constantin Associates     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 01/10/2019 NY Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205883670 25656067 400299290 10369044 25656067-25454 01/29/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-20): Proteck provided supporting origination value 02/20/2019     1 A 01/10/2019 NY Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
205883671 25656068 400296769 10377391 25656068-25319 01/30/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.       Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/24/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883671 25656068 400296769 10377399 25656068-6411 01/30/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/24/2018) Not provided.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/24/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883671 25656068 400296769 10395554 25656068-3495 01/31/2019 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/12/24/2018) The Appraisal was signed 12/24/18, and sent to the Borrower on 12/14/18.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/24/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883673 25656070 400302126 10366021 25656070-4371 01/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/11/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/11/2018) Closing date on Final CD was 12/11/18, and the file closed on 12/14/18.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/11/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883675 25656072 400275388 10375727 25656072-25319 01/30/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.       Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
205883675 25656072 400275388 10375729 25656072-6623 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/14/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/12/14/2018) Missing Lender contact information on the Final CD.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883675 25656072 400275388 10395186 25656072-4371 01/31/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/14/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/14/2018) Final Closing Disclosure provided on 12/14/2018 disclosed a Closing Date that did not match the actual date of consummation. Closing date shown as 12/17/2018; however, CD executed 12/15/2018. PCCD reflects a date of 12/14/18.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883679 25656076 400304470 10373375 25656076-25319 01/30/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. Fees applied as listed.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/21/2018 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883679 25656076 400304470 10373376 25656076-4371 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/27/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/27/2018) Security instrument notarized on 12/27/18. Closing date on the final CD was 12/21/2018     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/21/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883679 25656076 400304470 10373377 25656076-4826 01/30/2019 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 12/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/27/2018) Legal limit exceeded due to under-disclosed and undisclosed fees.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/21/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883679 25656076 400304470 10373378 25656076-6411 01/30/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/27/2018) Seller closing disclosure is missing.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/21/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883679 25656076 400304470 10373380 25656076-6543 01/30/2019 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 $42.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) The recording fee total of $42.00 of which $40.00 paid by the borrower and $2.00 paid by the seller was not disclosed on the LE. A credit of $65.00 was provided on the final CD however $25.00 applied to the appraisal overage of $25.00 leaving a balance cure required of $40.00 to be applied but is short by $2.00     Reviewer Comment (2019-02-08): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided. Seller Comment (2019-02-07): copy of CD, refund check , LOE and fedx   02/08/2019   2 B 12/21/2018 AZ 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
205883679 25656076 400304470 10373381 25656076-6542 01/30/2019 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 $600.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. (7506) A Cure in the amount of $65.00 was provided at closing. Should have been $67.00.     Reviewer Comment (2019-01-30): A credit was provided to the borrower at closing for the overage of $25.00 of the appraisal   01/30/2019   2 B 12/21/2018 AZ 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
205883679 25656076 400304470 10378420 25656076-22152 01/30/2019 Credit Income / Employment Income Eligibility Income Error: Income is unlikely to continue.   Per the Disability letter there is a statement that a maximum of 12 payments will be issued. The file is missing evidence this income source will continue for 36 months.     Reviewer Comment (2019-02-07): Borrower is on LTD. Appendix Q is silent and GSE guidance indicates LTD does not have defined end date. LTD benefit letter does not define any end date and is expected to continue. Exception cleared. 02/07/2019     1 A 12/21/2018 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883680 25656077 400266202 10396798 25656077-2842 01/31/2019 Credit Loan Package Documentation Loan File Missing Document: Hazard Insurance Policy not provided         Reviewer Comment (2019-02-05): Homeowners Policy Declarations was provided in the trailing docs. Conditions has been cleared. 02/05/2019     1 A 12/14/2018 FL Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883680 25656077 400266202 10402214 25656077-25454 01/31/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Loan is to go in a securitization and reflects only one valuation product when two are required.     Reviewer Comment (2019-02-21): Desk review 0% variance. 02/21/2019     1 A 12/14/2018 FL Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883680 25656077 400266202 10403707 25656077-7455 01/31/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Wood,Paul Paul S Wood PA/S-Corp) Missing YTD Balance sheet.     Reviewer Comment (2019-02-06): Balance sheet was provided in the trailing docs. Condition has been cleared. 02/06/2019     1 A 12/14/2018 FL Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883680 25656077 400266202 10403708 25656077-3495 01/31/2019 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/11/13/2018) Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 FL Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883680 25656077 400266202 10403713 25656077-3867 01/31/2019 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. Failed due to missing YTD balance sheet.     Reviewer Comment (2019-02-06): Balance sheet was provided in the trailing docs. Condition has been cleared. 02/06/2019     1 A 12/14/2018 FL Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883680 25656077 400266202 10403755 25656077-6583 01/31/2019 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 - Lender's Title Insurance. Fee Amount of $3,897.50 exceeds tolerance of $3,520.00. Sufficient or excess cure was provided to the borrower at Closing. (7567) Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $3,897.50 exceeds tolerance of $3,520.00.         01/31/2019   1 A 12/14/2018 FL Primary Purchase Final CD evidences Cure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883680 25656077 400266202 10403756 25656077-6583 01/31/2019 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 $10,150.45 exceeds tolerance of $9,148.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10,150.45 exceeds tolerance of $9,148.00.         01/31/2019   1 A 12/14/2018 FL Primary Purchase Final CD evidences Cure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883681 25656078 400276735 10387276 25656078-4826 01/30/2019 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 12/14/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/14/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/17/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883681 25656078 400276735 10387285 25656078-6543 01/30/2019 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 $1,483.50 exceeds tolerance of $1,264.00 plus 10% or $1,390.40. Insufficient or no cure was provided to the borrower. (0) All LE's issued reflects Title-Settlement / Closing/ Escorw fee of $1,029.00. All CD's including initial and interim reads $1,248.50 (edited). The borrower was not notified of this increased fee after LE's was disclosed. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.     Reviewer Comment (2019-02-06): After additional review, the Title - Settlement/Closing fee did increase to $1,248.50, which includes $220 paid by the seller. Since the Borrower paid portion did not increase from the LE. No refund is needed. 02/06/2019     1 A 12/17/2018 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
205883682 25656079 400274608 10373919 25656079-25454 01/30/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-21): 0% variance. 02/21/2019     1 A 12/26/2018 AZ Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883682 25656079 400274608 10376243 25656079-4371 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/26/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/26/2018) Final CD disclosed a closing date of 12/26/2018; Notary date 12/27/2018.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/26/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883682 25656079 400274608 10376251 25656079-4826 01/30/2019 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 12/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/26/2018) Cure of $100.00 was reflected, which is insufficient to cure the tolerance violation related to Loan Discount Points.     Reviewer Comment (2019-02-05): Change of circumstance - rate lock and LE provided 02/05/2019     1 A 12/26/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883682 25656079 400274608 10376253 25656079-3879 01/30/2019 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. The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/26/2018 AZ Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883682 25656079 400274608 10376256 25656079-6542 01/30/2019 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 $1,675.36 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Fee was not disclosed on Loan Estimate. A Changed Circumstance letter related to rate lock dated 11/06/2018 is provided, however, the corresponding Loan Estimate is not found in the file.     Reviewer Comment (2019-02-05): Change of circumstance - rate lock and LE provided Seller Comment (2019-02-04): Here is the LE that corresponds to the Changed Circumstance from 11/6/2018 02/05/2019     1 A 12/26/2018 AZ 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
205883682 25656079 400274608 10385978 25656079-2883 01/30/2019 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   The tax cert provided shows the property taxes as $108.35 semi-annual however per the CD a value of $4554.12 annually. There is no evidence of the higher taxes used to qualify.     Reviewer Comment (2019-02-05): Lender tax calculation worksheet was provided in the trailing docs. Condition has been cleared. Seller Comment (2019-02-04): This is a new build so here is the tax calculation used to qualify 02/05/2019     1 A 12/26/2018 AZ Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883683 25656080 400274565 10381706 25656080-7457 01/30/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Comperda,Susan Rocket City Medical LLC/Schedule C) The Co-borrower schedule C business losses increased from $877 in 2016 to $14,086 in 2017. The file is missing a P&L and balance sheet to show the losses have not increased further and required by Safe Harbor QM     Reviewer Comment (2019-02-26): P&L was provided reflecting an upwards trend in income and income is calculated as positive. Balance sheet is not available,. however positive income is not needed to qualify. Exception cleared. Seller Comment (2019-02-25): P&L. Balance sheet not required as this income was not used. 02/26/2019     1 A 12/10/2018 AL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883683 25656080 400274565 10381709 25656080-25520 01/30/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Schedule C Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (Comperda,Susan Rocket City Medical LLC/Schedule C)       Reviewer Comment (2019-02-26): P&L was provided reflecting an upwards trend in income and income is calculated as positive. Balance sheet is not available,. however positive income is not needed to qualify. Exception cleared. 02/26/2019     1 A 12/10/2018 AL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883683 25656080 400274565 10381712 25656080-24272 01/30/2019 Compliance Compliance State Compliance Alabama Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. Alabama allows 5% after 10 days or $10.00 on each late penalty whichever is greater up to a maximum of $100.00. 5% on this loan is $155.65.     Reviewer Comment (2019-02-06): Client elects to waive     02/06/2019 2 B 12/10/2018 AL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883683 25656080 400274565 10381714 25656080-6582 01/30/2019 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 $158.50 exceeds tolerance of $97.00 plus 10% or $106.70. Sufficient or excess cure was provided to the borrower at Closing. (0)           01/30/2019   1 A 12/10/2018 AL Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883683 25656080 400274565 10381955 25656080-23083 01/30/2019 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. (Susan/Comperda/2272219) A third party verification was not provided to determine a two year history     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/10/2018 AL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883683 25656080 400274565 10381956 25656080-4204 01/30/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. The Co-borrower schedule C business losses increased from $877 in 2016 to $14,086 in 2017. The file is missing a P&L and balance sheet to show the losses have not increased further and required by Safe Harbor QM     Reviewer Comment (2019-02-26): P&L was provided reflecting an upwards trend in income and income is calculated as positive. Balance sheet is not available,. however positive income is not needed to qualify. Exception cleared. 02/26/2019     1 A 12/10/2018 AL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
205883683 25656080 400274565 10381957 25656080-3867 01/30/2019 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. Missing P&L, Balance sheet and third party verification to meet QM documentation requirements.     Reviewer Comment (2019-02-26): P&L was provided reflecting an upwards trend in income and income is calculated as positive. Balance sheet is not available,. however positive income is not needed to qualify. Exception cleared. 02/26/2019     1 A 12/10/2018 AL Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
205883684 25656081 400292823 10374716 25656081-2924 01/30/2019 Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided         Reviewer Comment (2019-02-26): Fraud report in file. Exception cleared. 02/26/2019     1 A 12/11/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883684 25656081 400292823 10374728 25656081-23698 01/30/2019 Credit Credit Credit Documentation No evidence of fraud report in file Credit Report: Original // Borrower: Andre R Boyer       Reviewer Comment (2019-02-07): Corelogic fraud report provided in the trailing docs. Condition has been cleared. 02/07/2019     1 A 12/11/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
205883684 25656081 400292823 10375235 25656081-6414 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/11/2018 did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/12/11/2018) Not provided on consumer final CD.     Reviewer Comment (2019-02-06): AMC received PCCD correcting Broker Contact and LOE. Exception Cured.   02/06/2019   2 B 12/11/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883684 25656081 400292823 10375238 25656081-6623 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/11/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/12/11/2018) Not provided on consumer final CD.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/11/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
205883685 25656082 400285941 10387637 25656082-4961 01/30/2019 Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Per guidelines Housing (rental) payment history covering the most recent and consecutive 12 month period (minimum) with no late payments must be verified either by the credit bureau or by direct verification     Reviewer Comment (2019-02-05): VOR 2/4/19 from management company was provided in the trailing docs reflecting satisfactory account since 6/1/15. Condition has been cleared. 02/05/2019     1 A 12/20/2018 NY Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
205883685 25656082 400285941 10395100 25656082-6295 01/31/2019 Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing Unable to determine if loan file contains evidence of borrower's consent to receive electronic documents due to missing information. (Initial/08/16/2018) Loan Estimate is dated 08/16/2018 and digitally signed on 08/25/2018. E-Consent agreement signed by borrower on 08/25/2018, after initial LE date.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/20/2018 NY Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
205883686 25656083 400286306 10384569 25656083-4371 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/14/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/14/2018) The final Closing Disclosure reflects a Closing Date of 12/14/2018, but the transaction consummation mortgage notary date was 12/16/2018. This issue is not corrected on the post-closing CD.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883686 25656083 400286306 10384574 25656083-4613 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 12/14/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/12/14/2018) The premium disclosed on the consumer's final CD and the insurance declaration page is $518.00. The escrowed monthly amount disclosed on the consumer's final CD is $53.32, which equates to an annual amount of $639.84. This issue is not corrected on the post-closing CD.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883686 25656083 400286306 10390678 25656083-5180 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 12/14/2018 did not disclose number of months for Property Tax under Prepaids. (Final/12/14/2018) The field is blank on the consumer's final CD. This issue is not corrected on the post-closing CD.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/14/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
205883688 25656085 400249466 10394741 25656085-23688 01/31/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The total coverage on the HOI of $763,500 is not sufficient to meet the loan amount. The file is missing evidence of the cost to replace     Reviewer Comment (2019-02-14): RCE provided clearing this condition Seller Comment (2019-02-14): Please review the RCE that was uploaded. 02/14/2019     1 A 12/28/2018 TX Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883688 25656085 400249466 10394966 25656085-25454 01/31/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Secondary appraisal value is missing.     Reviewer Comment (2019-02-21): 0% variance 02/21/2019     1 A 12/28/2018 TX Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
205883688 25656085 400249466 10396019 25656085-4826 01/31/2019 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 12/28/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/28/2018) Legal limit exceeded due to under-disclosed and undisclosed fees.     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/28/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
205883688 25656085 400249466 10396021 25656085-6542 01/31/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $28.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77188) The tax cert fee paid by the seller was not disclosed nor listed as a typical seller paid fee for Texas     Reviewer Comment (2019-02-11): AMC received an attestation the Seller paid Tax Certificate Fee charged by the title company. Reviewer Comment (2019-02-06): Title - Tax Certificate Fee was paid to an affiliate of the Broker and/or lender and is subject to zero tolerance. The fee was not initially disclosed on LE. Please provide evidence this fee is a normal Seller paid fee in the State of Texas or provide evidence of an agreement that Seller was to pay it (not located on Purchase Contract), maybe an addendum or other source document. 02/11/2019     1 A 12/28/2018 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 C B C A Safe Harbor QM Safe Harbor QM Yes
205883688 25656085 400249466 10400184 25656085-6542 01/31/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77222) The TX Guaranty fee was not disclosed to the borrower on any of the LE     Reviewer Comment (2019-02-11): AMC received an attestation the Tx Guaranty fee is a required fee by Borrower's chosen provider. Reviewer Comment (2019-02-06): Title - TX Guaranty Fee was not disclosed on LE. We would accept an attestation this was a required fee by Borrower's chosen provider. 02/11/2019     1 A 12/28/2018 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 C B C A Safe Harbor QM Safe Harbor QM Yes
205883688 25656085 400249466 10588873 25656085-6542 02/11/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219) AMC received an attestation the Tx Guaranty fee is a required fee by Borrower's chosen provider.     Reviewer Comment (2019-02-11): AMC received an attestation the Tx Guaranty fee is a required fee by Borrower's chosen provider. 02/11/2019     1 A 12/28/2018 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 C B C A Safe Harbor QM Safe Harbor QM Yes
205883688 25656085 400249466 10588985 25656085-6542 02/11/2019 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 $400.00 exceeds tolerance of $375.00. Insufficient or no cure was provided to the borrower. (77169) Fee increased on final CD without a valid COC. Cure amount due is $25     Reviewer Comment (2019-02-12): SSPL has First xxxx in Houston TX while the borrower used and shopped for xxx in xxxx different locations borrower shopped not subject to tolerance testing Seller Comment (2019-02-12): After further review with my compliance department, xxxx is not an affiliate of ours (Tri Pointe Connect is). The fees are disclosed in Sec C and are not required to be cured. Please review and clear. 02/12/2019     1 A 12/28/2018 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 C B C A Safe Harbor QM Safe Harbor QM Yes
205883688 25656085 400249466 10588986 25656085-6542 02/11/2019 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 $4.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77181) Fee increased on final CD without a valid COC. Cure amount due is $4.50     Reviewer Comment (2019-02-12): SSPL has xxx xxxx in Houston TX while the borrower used and shopped for xxxx in xxxxdifferent locations borrower shopped not subject to tolerance testing Seller Comment (2019-02-12): After further review with my compliance department, First American is not an affiliate of ours (xxxxx is). The fees are disclosed in Sec C and are not required to be cured. Please review and clear. 02/12/2019     1 A 12/28/2018 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 C B C A Safe Harbor QM Safe Harbor QM Yes
205883688 25656085 400249466 10588988 25656085-6542 02/11/2019 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 $4,655.00 exceeds tolerance of $4,174.00. Insufficient or no cure was provided to the borrower. (7729) Fee increased on final CD without a valid COC. Cure amount due is $481.00.     Reviewer Comment (2019-02-12): SSPL has First American Title in Houston TX while the borrower used and shopped for First American in Cedar Park different locations borrower shopped not subject to tolerance testing Seller Comment (2019-02-12): After further review with my compliance department, xxx is not an affiliate of ours (xxxx is). The fees are disclosed in Sec C and are not required to be cured. Please review and clear. Seller Comment (2019-02-12): Please see attached COC. Loan Amount increased and the cost of the lender title insurance is associated with the loan amount. 02/12/2019     1 A 12/28/2018 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 C B C A Safe Harbor QM Safe Harbor QM Yes
205883689 25656086 400267468 10391709 25656086-4371 01/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/10/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/10/2018) Disclosure reflects Closing Date of (12/11/18), but transaction consummation (mortgage notary) date was (12/13/18).     Reviewer Comment (2019-02-06): Client elects to waive.     02/06/2019 2 B 12/11/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
205883689 25656086 400267468 10391732 25656086-23688 01/30/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance amount of $420,000 (includes additional coverage of $140,000) is not enough to cover the loan amount of $532,608, appraisal does not reflect a replacement cost. 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 (2019-02-05): Replacement cost estimate was provided in the trailing docs reflecting estimated reconstruction cost of $244,910. Dwelling coverage $280,000. Condition has been cleared. 02/05/2019     1 A 12/11/2018 AZ Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
205883689 25656086 400267468 10391769 25656086-25454 01/30/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-21): 0% variance 02/21/2019     1 A 12/11/2018 AZ Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206104081 25675303 9705794692 10602360 25675303-929 02/12/2019 Property Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: 01/07/2019       Reviewer Comment (2019-03-01): 03/01/19 Received final 442 Reviewer Comment (2019-02-20): The original appraisal was provided again, the comments list repairs and a cost to cure up to $25,000. It is stated some of these are cosmetic. The appraisal needs to be made as is with a value that includes the deduction of cosmetic repairs if that affects the value or evidence of repairs with a correct value. 03/01/2019     1 A 01/23/2019 CA Primary Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104081 25675303 9705794692 10603070 25675303-25513 02/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,217.00 on Final Closing Disclosure provided on 01/23/2019 not accurate. (Final/01/23/2019) Final CD reflects $1,018.08 for estimated taxes and insurance, however actual is $986.83, resulting in yearly costs of $11,841.96     Reviewer Comment (2019-02-26): Letter of Explanation & Corrected Closing Disclosure provided   02/26/2019   2 B 01/23/2019 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
206104083 25675305 9711455445 10600315 25675305-24188 02/12/2019 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 $420.00 on Final Closing Disclosure provided on 01/14/2019 not accurate. (Final/01/14/2019) The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $420 on page 4; however the HOA is $35 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.     Reviewer Comment (2019-02-26): AMC received PCCD correcting non escrowed property costs over 1 year and LOE. Exception Cured.   02/26/2019   2 B 01/11/2019 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
206104084 25675306 9713004704 10596253 25675306-25454 02/12/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-26): Desk Review provided with no variance. Exception cleared. 02/26/2019     1 A 01/22/2019 CA Primary Refinance - Cash-out - Other   C A A A B A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104084 25675306 9713004704 10596378 25675306-4371 02/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/22/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/22/2019) The final closing disclosure on page 1 reflects the closing date to be 1/22/2019, however the Borrower signed and dated the closing disclosure on 1/23/2019.     Reviewer Comment (2019-02-12): A PCCD was provided correcting the closing date to 1/23/2019   02/12/2019   1 A 01/22/2019 CA Primary Refinance - Cash-out - Other 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
206104086 25675308 9719292162 10594446 25675308-4826 02/12/2019 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 01/18/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/18/2019) A Cure of $18.00 is required for the tolerance fee failure     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/18/2019 DC 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
206104086 25675308 9719292162 10608104 25675308-6543 02/12/2019 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 $224.80 exceeds tolerance of $188.00 plus 10% or $206.80. Insufficient or no cure was provided to the borrower. (0) $18.00 cure is required for overage     Reviewer Comment (2019-02-28): Seller paid fee of $36.80 for release was included in sales contract that seller would pay. No tolerance violation exists. Exception cleared. Reviewer Comment (2019-02-26): The testing AMC was contracted to do in this case does not allow the exclusion of seller fees. PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. 02/28/2019     1 A 01/18/2019 DC 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
206104087 25675309 9720160952 10611649 25675309-4371 02/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/19/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/19/2019) Consumer's Final CD disclosed a Closing Date of 01/19/2019, however consummation took place on 01/22/2019.     Reviewer Comment (2019-02-13): A PCCD was provided correcting the closing date   02/13/2019   1 A 01/19/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104087 25675309 9720160952 10611652 25675309-23818 02/12/2019 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Finance Charge of $458,459.32 disclosed on the Final Closing Disclosure dated 01/19/2019 is under-disclosed by more than $100 compared to the Financed Charge calculated based on fees disclosed on the Post Closing Disclosure of $459,039.87 provided on 02/07/2019, a difference of $580.55000. (Post-Close/02/07/2019) The settlement fee on the PCCD increased causing the finance charges disclosed on the final CD dated 1/19/2019 to be under disclosed. Remediation includes Letter of Explanation, Refund check for under disclosed equivalent amount, updated CD and proof of delivery.     Reviewer Comment (2019-02-26): Attestation received that the TOP and Finance Changes on PC-CD were a result of fees increasing after closing. Lender attestation that fees disclosed at closing were based on best information available to the lender at the time of closing 02/26/2019     1 A 01/19/2019 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104087 25675309 9720160952 10611653 25675309-24220 02/12/2019 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 $1,011,898.25 disclosed on the Final Closing Disclosure dated 01/19/2019 is inaccurate by more than $100 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of $1,012,292.76 provided on 02/07/2019, a difference of $394.51000. (Post-Close/02/07/2019) Borrower paid charges in Section B increased on the Post Closing Disclosure causing the Total of Payments on the Final CD dated 01/19/2019 to be under disclosed. Remediation includes Letter of Explanation, Refund check for under disclosed equivalent amount, updated CD and proof of delivery.     Reviewer Comment (2019-02-26): Attestation received that the TOP and Finance Changes on PC-CD were a result of fees increasing after closing. Lender attestation that fees disclosed at closing were based on best information available to the lender at the time of closing 02/26/2019     1 A 01/19/2019 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104088 25675310 9721638667 10624829 25675310-25454 02/13/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-02-20): Desk review provided. Exception cleared. 02/20/2019     1 A 01/28/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104088 25675310 9721638667 10626132 25675310-4371 02/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/28/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/28/2019) All closing documents were generated for signing on 1/28/19, however actual settlement occurred on 1/29/19.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/28/2019 CA Primary Refinance - Rate/Term 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
206104088 25675310 9721638667 10626133 25675310-25506 02/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 7,713.24 on Final Closing Disclosure provided on 01/28/2019 not accurate. (Final/01/28/2019) Per hazard insurance cert in file, annual premium is $675, however CDs in file indicate as $657, and monthly amount corresponding as $54.75 vs. $56.25.     Reviewer Comment (2019-02-26): AMC received PCCD and LOE. Final CD escrow amount is consistent with IEADS. Exception Cleared. 02/26/2019     1 A 01/28/2019 CA Primary Refinance - Rate/Term 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
206104088 25675310 9721638667 10626134 25675310-4673 02/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 01/28/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/693460) Per hazard insurance cert in file, annual premium is $675, however CDs in file indicate as $657, and monthly amount corresponding as $54.75 vs. $56.25.     Reviewer Comment (2019-02-26): AMC received PCCD and LOE. Final CD escrow amount is consistent with IEADS. Exception Cleared. 02/26/2019     1 A 01/28/2019 CA Primary Refinance - Rate/Term 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
206104088 25675310 9721638667 10626135 25675310-4612 02/13/2019 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 01/28/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/693460) Per hazard insurance cert in file, annual premium is $675, however CDs in file indicate as $657, and monthly amount corresponding as $54.75 vs. $56.25.     Reviewer Comment (2019-02-26): AMC received PCCD and LOE. Final CD escrow amount is consistent with IEADS. Exception Cleared. 02/26/2019     1 A 01/28/2019 CA Primary Refinance - Rate/Term 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
206104088 25675310 9721638667 10626136 25675310-7037 02/13/2019 Compliance Compliance Federal Compliance Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.       Reviewer Comment (2019-03-08): No new money associated with new transaction. 03/08/2019     1 A 01/28/2019 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 C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104088 25675310 9721638667 10631741 25675310-4436 02/13/2019 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/01/21/2019) Proof of appraisal delivery not evidenced in loan file.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/28/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104088 25675310 9721638667 10725103 25675310-25441 02/20/2019 Property Property - Appraisal Appraisal Documentation Loan is to go into a securitization and secondary valuation does not support the appraised value within a 10% tolerance. The lower value was not used to calculate LTV.   Appraised value is $680,000. Desk Review provided with a value of $580,000, a -14.7059% variance.     Reviewer Comment (2019-03-04): Desk Review provided with a value of $680,000, a 0% variance from the original appraised value. Exception cleared. 03/04/2019     1 A 01/28/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104090 25675312 9728677635 10603158 25675312-6583 02/12/2019 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 $550.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)           02/12/2019   1 A 01/31/2019 NJ Primary Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104092 25675314 9740355434 10604256 25675314-4436 02/12/2019 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/12/14/2018) Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/10/2019 MA Primary Refinance - Cash-out - Other   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104093 25675315 9744469645 10620319 25675315-6582 02/13/2019 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 $322.00 exceeds tolerance of $130.00 plus 10% or $143.00. Sufficient or excess cure was provided to the borrower at Closing. (0) Cure for $199 is reflected on CD.         02/13/2019   1 A 01/23/2019 WA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104093 25675315 9744469645 10620321 25675315-6583 02/13/2019 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 $20.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) Cure for $199 is reflected on CD.         02/13/2019   1 A 01/23/2019 WA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104094 25675316 9744701005 10610921 25675316-25506 02/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 9,372.48 on Final Closing Disclosure provided on 01/19/2019 not accurate. (Final/01/19/2019)       Reviewer Comment (2019-02-28): AMC received PCCD correcting escrow payment and LOE. The CD prior to Final CD is consistent with amounts on IEADS. Exception Cleared. Reviewer Comment (2019-02-26): Letter of Explanation & Corrected Closing Disclosure required to cure. Lender is using HOI annual premium of $1788 confirmed the annual premium is $1768. 02/28/2019     1 A 01/19/2019 WA 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
206104094 25675316 9744701005 10611167 25675316-4371 02/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/19/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/19/2019) The final CD reflects a Date Issued date of 01/19/2019, a Closing Date of 01/19/2019 and a Disbursement Date of 01/25/2019. Docs were signed on 01/21/2019.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/19/2019 WA 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
206104094 25675316 9744701005 10611168 25675316-4673 02/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 01/19/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/694285) The lender input on the page 2 of the final CD a monthly county tax amount of $634.04 which would equal an annual amount of $7584.48. This amount matches the tax certification in the file. However, on page 4 of the Final CD, the lender input an annual tax amount of $9372.48. This amount will cause the payment stream to be off.     Reviewer Comment (2019-02-28): AMC received PCCD correcting escrow payment and LOE. The CD prior to Final CD is consistent with amounts on IEADS. Exception Cleared. Reviewer Comment (2019-02-26): Letter of Explanation, Proof of Delivery, Corrected CD required to cure. Lender is using HOI annual premium of $1788 confirmed the annual premium is $1768. Recession not required to be re-opened as IAED matched Final CD and only $20 difference to HOI policy 02/28/2019     1 A 01/19/2019 WA 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
206104094 25675316 9744701005 10611169 25675316-4612 02/12/2019 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 01/19/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/694285) The lender input on the page 2 of the final CD a monthly county tax amount of $634.04 which would equal an annual amount of $7584.48. This amount matches the tax certification in the file. However, on page 4 of the Final CD, the lender input an annual tax amount of $9372.48. This amount will cause the payment stream to be off.     Reviewer Comment (2019-02-28): AMC received PCCD correcting escrow payment and LOE. The CD prior to Final CD is consistent with amounts on IEADS. Exception Cleared. Reviewer Comment (2019-02-26): Letter of Explanation, Proof of Delivery, Corrected CD required to cure. Lender is using HOI annual premium of $1788 confirmed the annual premium is $1768. Recession not required to be re-opened as IAED matched Final CD and only $20 difference to HOI policy 02/28/2019     1 A 01/19/2019 WA 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
206104096 25675318 9749057163 10606277 25675318-6583 02/12/2019 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 $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Binding LE disclosed an Appraisal Fee of $600 and Final CD disclosed $750. Final CD disclosed a Lender Credit of $150 for increase in Closing Costs above legal limit which is sufficient to cure 0% tolerance violation.         02/12/2019   1 A 02/01/2019 CA Primary Purchase Final CD evidences Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104096 25675318 9749057163 10630629 25675318-4436 02/13/2019 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/01/22/2019) Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 02/01/2019 CA Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104097 25675319 9749058856 10607132 25675319-25454 02/12/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only 1 valuation was provided.     Reviewer Comment (2019-02-25): Proteck provided supporting origination value 02/25/2019     1 A 01/14/2019 WA Primary Purchase   C A A A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104098 25675320 9751841439 10611286 25675320-25454 02/12/2019 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 (2019-02-26): 0% variance 02/26/2019     1 A 01/08/2019 NY Primary Refinance - Cash-out - Other   C A C A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104098 25675320 9751841439 10632623 25675320-595 02/13/2019 Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   The Mortgage does not reflect each persons interest percentage.     Reviewer Comment (2019-02-26): Final title reflects the correct vesting. Exception cleared. 02/26/2019     1 A 01/08/2019 NY Primary Refinance - Cash-out - Other   C A C A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104098 25675320 9751841439 10632729 25675320-6583 02/13/2019 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 $850.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Fee disclosed as $800.00 on LE dated 08/24/18, but disclosed as $850.00 on Final Closing Disclosure.         02/13/2019   1 A 01/08/2019 NY Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104098 25675320 9751841439 10632774 25675320-6582 02/13/2019 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 $650.00 exceeds tolerance of $490.00 plus 10% or $539.00. Sufficient or excess cure was provided to the borrower at Closing. (0) $539.00 violation due to increase in Recording fee(s). Cure of $161.00 on Final CD.         02/13/2019   1 A 01/08/2019 NY Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104099 25675321 9757100855 10617150 25675321-24752 02/13/2019 Credit 1003 Document Error Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. Borrower: xxxx, Borrower: xxxxx Need proof borrower are in the US legally.     Reviewer Comment (2019-03-04): 03/04/19 Received revised initial and final 1003 where the borrowers initialed line VIII. Declaration section J also received copy of both passports both are US citizen. This was an error at the time of origination. 03/04/2019     1 A 01/28/2019 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
206104099 25675321 9757100855 10617639 25675321-24221 02/13/2019 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 $1,129,632.84 disclosed on the Final Closing Disclosure dated 01/29/2019 is inaccurate by more than $35 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of $1,129,807.84 provided on 01/30/2019, a difference of $175.00000. (Post-Close/01/30/2019) Section B fees increased on PCCD causing the TOP disclosed on the final CD dated 1/29/2019 to be under disclosed. Remediation includes Letter of Explanation, Refund check for under disclosed equivalent amount, Reopened Rescission (if applicable), updated CD and proof of delivery.     Reviewer Comment (2019-02-28): See updated (added) exception to remain open. Reviewer Comment (2019-02-28): AMC received a Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount and Corrected CD. Rescission must be re-opened to cure. Provide a new Right to Cancel form and Proof of Delivery. 02/28/2019     1 A 01/28/2019 CA Primary Refinance - Limited Cash-out GSE 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104099 25675321 9757100855 10617640 25675321-2666 02/13/2019 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 02/01/2019, prior to three (3) business days from transaction date of 01/29/2019. Notary Date on security instrument is 01/29/19. Final CD reads a closing date of 01/28/19 and borrowers signed on 01/29/19. RTC is dated 01/29/19.     Reviewer Comment (2019-02-28): RTC form was corrected at closing to show recession ending on 2/1/19 and loan funded on 2/4/19. Reviewer Comment (2019-02-28): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form must be provided to cure. 02/28/2019     1 A 01/28/2019 CA Primary Refinance - Limited Cash-out GSE 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104099 25675321 9757100855 10617666 25675321-4371 02/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/29/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/29/2019) The final Closing Disclosure reflects a Closing Date of 01/28/2019, but the transaction consummation mortgage notary date was 01/29/2019.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/28/2019 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
206104099 25675321 9757100855 10871963 25675321-22523 02/28/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/29/2019 disclosed a Total of Payments that does not match the actual total of payments for the loan. (Final/01/29/2019) A Letter of Explanation, Proof of Delivery, Refund check for under-disclosed equivalent amount of $175.00 and Corrected CD dated 2/26/19 was received. Rescission must be re-opened to cure. Provide a new Right to Cancel form and Proof of Delivery.     Reviewer Comment (2019-03-12): AMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and Corrected CD. Reviewer Comment (2019-03-07): The corrected disbursement date on the PCCD does not impact the need to reopen rescission. The rescission period on a loan starts when the latest of three things occurs, (1) the execution of the notice of right to cancel; (2) the consummation of the loan; and (3) the receipt by the consumer of the accurate material disclosures. There are several items deemed to be material disclosures as referenced under 1026.23(a)(3): � APR � Finance Charge � Amount Financed � Total of Payments � Payment schedule Rescission is required to be re-opened as the TOP, as discussed above, is considered a material disclosure under 1026.23(a)(3) and since an updated �accurate� figure is now being provided to the borrower through the PCCD, it would start the rescission clock again. In addition, if one is adhering to the SFIG RMBS 3.0 TRID Review Scope, then a new Notice of Right to Cancel should be provided to the consumers with a right to rescind as part of the remediation for an under disclosed Total of Payments Reviewer Comment (2019-03-07): Elevated to AMC compliance department to review for required ROR Reviewer Comment (2019-03-07): A PCCD was provided dated 2/26/2018 with a disbursement date of 2/4/2019 with evidence of delivery, copy of cancel check   03/12/2019   2 B 01/28/2019 CA Primary Refinance - Limited Cash-out GSE 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104100 25675322 9763521383 10618736 25675322-4436 02/13/2019 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/01/11/2019) No evidence Borrowers received appraisal     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 02/04/2019 NJ Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104100 25675322 9763521383 10619006 25675322-25506 02/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 19,003.20 on Final Closing Disclosure provided on 02/04/2019 not accurate. (Final/02/04/2019) Annual escrows should be $19,680.24 instead of $19,003.20. Section G of the Final CD- City Taxes Collected at $1,456.85 per month and Homeowners insurance $126.75 per month. Total=$19,003.02. Actual Difference is Taxes Collected per Tax Certificate disclosed $1,513.27 per month -Homeowners $126.75. Total $19,680.24     Reviewer Comment (2019-02-26): AMC received PCCD and LOE. Final CD escrow amount is consistent with IEADS. Exception Cleared. 02/26/2019     1 A 02/04/2019 NJ 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
206104100 25675322 9763521383 10619263 25675322-4673 02/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/04/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/694026) Monthly escrows should be $1,640.02. $1,583.60 used     Reviewer Comment (2019-02-26): AMC received PCCD and LOE. Final CD escrow amount is consistent with IEADS. Exception Cleared. 02/26/2019     1 A 02/04/2019 NJ 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
206104100 25675322 9763521383 10619264 25675322-4612 02/13/2019 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 02/04/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/694026) Monthly escrows should be $1,640.02. $1,583.60 used     Reviewer Comment (2019-02-26): AMC received PCCD and LOE. Final CD escrow amount is consistent with IEADS. Exception Cleared. 02/26/2019     1 A 02/04/2019 NJ 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
206104101 25675323 9764282621 10621409 25675323-4826 02/13/2019 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 01/23/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/23/2019) The total of increase exceeding the legal limits did not include the zero percent fees paid by the Seller.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/23/2019 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
206104101 25675323 9764282621 10622577 25675323-25454 02/13/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Erroneous. A second appraisal was not required.     Reviewer Comment (2019-02-25): Proteck provided supporting the origination value 02/25/2019     1 A 01/23/2019 WA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104102 25675324 9765896494 10636063 25675324-4436 02/13/2019 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/01/03/2019) Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/22/2019 VA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104102 25675324 9765896494 10636064 25675324-24188 02/13/2019 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 $828.00 on Final Closing Disclosure provided on 01/22/2019 not accurate. (Final/01/22/2019) Final CD disclosed Amount of Non-Escrowed Property Costs over Year 1 of $828.00, however, verified amount is $826 per the appraisal.     Reviewer Comment (2019-03-07): A PCCD, LOE was provided correcting the cost over year 1 for the HOA Reviewer Comment (2019-02-26): Final CD indicates Non-escrowed property costs are $828, while the appraisal indicates the amount is $826. PCCD and LOE required in order to address the exception.   03/07/2019   2 B 01/22/2019 VA 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
206104102 25675324 9765896494 10636065 25675324-4826 02/13/2019 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 01/22/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/22/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. Binding LE did not disclose Pest Inspection Fee of $40 disclosed on the Consumer's Final CD. Cure for 0% tolerance violation was not provided.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/22/2019 VA 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
206104102 25675324 9765896494 10636066 25675324-6542 02/13/2019 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 $40.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7713) Binding LE did not disclose Pest Inspection Fee of $40 disclosed on the Consumer's Final CD. Cure for 0% tolerance violation was not provided.     Reviewer Comment (2019-03-08): AMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2019-03-07): Regarding the pest inspection suspense, this was disclosed on section H item 1. If you look at the purchase contract(page 9 section 20) the buyer agreed to the termite inspection and as this was not a lender required cost. Reviewer Comment (2019-02-26): Pest inspection was disclosed on 1/16/2019 CD. The loan was re-baselined due to program and moan amount changes, however, the pest inspection was not noted as a required change, nor would the fee normally be part of a program change. Please provide PCCD, LOE copy of the refund check and proof of delivery in order to address the exception.   03/08/2019   2 B 01/22/2019 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104103 25675325 9766135595 10617688 25675325-7038 02/13/2019 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/01/09/2019) Supporting documentation to verify delivery/receipt of disclosure was not provided at the time of review.     Reviewer Comment (2019-02-28): AMC received required documents, exception is cleared. Reviewer Comment (2019-02-26): AMC received lender correspondence. Please provide Disclosure Tracking indicating receipt of the 01/09/2019 CD the same day. 02/28/2019     1 A 01/15/2019 VA Primary Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104103 25675325 9766135595 10636507 25675325-6582 02/13/2019 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 $151.00 exceeds tolerance of $129.00 plus 10% or $141.90. Sufficient or excess cure was provided to the borrower at Closing. (0)           02/13/2019   1 A 01/15/2019 VA Primary Purchase Final CD evidences Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206104105 25675327 9767231237 10635830 25675327-4371 02/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/17/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/17/2019) The notary date is 1/18/2019 however the closing date was 1/16/2019     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/16/2019 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
206104105 25675327 9767231237 10635833 25675327-4826 02/13/2019 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 01/17/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/17/2019) Testing seller paid fees no cure was provided to the borrower for fee violation failures.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/16/2019 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
206104105 25675327 9767231237 10659543 25675327-4436 02/14/2019 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/01/11/2019) Supporting documentation was not provided to verify delivery/receipt of appraisal.     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 01/16/2019 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104105 25675327 9767231237 10659822 25675327-6543 02/14/2019 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 $4,433.93 exceeds tolerance of $2,678.00 plus 10% or $2,945.80. Insufficient or no cure was provided to the borrower. (0) Seller paid fees for Recording, Move out, Closing/Settlement and Owner's Title fees were not initially disclosed to Consumer(s) prior to consummation.     Reviewer Comment (2019-03-07): The seller paid the the settlement fee of $1541.40 and recording fee of $203 which brings the variance under 10% Reviewer Comment (2019-02-26): The escrow, recording and title insurance fee increased on 1/11/2019. No changed circumstance addressing these changes was located in the loan file. Please provide PCCD, LOE, copy of refund check and proof of delivery in order to address the exception. 03/07/2019     1 A 01/16/2019 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
206104106 25675328 9770851724 10640586 25675328-25454 02/13/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only one appraisal provided     Reviewer Comment (2019-02-26): Desk review provided with no variance. Exception cleared. 02/26/2019     1 A 01/17/2019 NY Primary Refinance - Cash-out - Other   C A C A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104106 25675328 9770851724 10662631 25675328-5367 02/14/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.73560% exceeds AUS total debt ratio of 42.00000%. Due to REO rental and self employer income calculations. Difference of 4.08%. After audit income verified $30,554.14 and Totally monthly debt $13,969.55. LP has total income $30,096.50 and total monthly debt $12,535.10. Need update LP with higher DTI of 45.73%.     Reviewer Comment (2019-03-08): DTI is below AUS total with income recalculation Reviewer Comment (2019-02-26): 02/26/19. Email from lender dated 02/22/19 reads a DTI of 35.0577%. After entering all the information for REO 1xxxx &xxxx audit DTI is now 33.89%. LP findings on 01/15/19 and final 1008 dated 01/16/19 both read a DTI of 42%. Need updated LP findings showing DTI (per email from lender) to read 35.0577%. Exception remains. 03/08/2019     1 A 01/17/2019 NY Primary Refinance - Cash-out - Other   C A C A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104108 25675330 9791235741 10642467 25675330-25513 02/14/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 37,901.00 on Final Closing Disclosure provided on 12/28/2018 not accurate. (Final/12/28/2018) Final CD Estimated Property Costs over Year 1 of 37,901.00 / 12 = $3,158.42 monthly. however based on documentation we have in the file the breakdown are the following: $181.75 Hazard, $2,013.54 Taxes and $60.00 HOA = $2,255.89*12=$27,063.48     Reviewer Comment (2019-02-26): AMC received PCCD correcting non escrowed property over 1 year and LOE. Exception Cured.   02/26/2019   2 B 12/28/2018 CA Second Home 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
206104108 25675330 9791235741 10642470 25675330-4371 02/14/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/28/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/28/2018) Borrowers signed on 12/29/18 per the Closing Documents.     Reviewer Comment (2019-02-14): PCCD 01/30/19 reflects closing date of 12/29/18.   02/14/2019   1 A 12/28/2018 CA Second Home 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
206104111 25675333 9799365169 10643351 25675333-6411 02/14/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/19/2018) Seller Closing Disclosure was not found in the loan file     Reviewer Comment (2019-02-19): Client elects to waive.     02/19/2019 2 B 12/19/2018 VA Primary Purchase 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
206104111 25675333 9799365169 10643453 25675333-25454 02/14/2019 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 (2019-02-25): Proteck provided supporting the origination value 02/25/2019     1 A 12/19/2018 VA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104111 25675333 9799365169 10659533 25675333-2811 02/14/2019 Credit Loan Package Documentation Application / Processing Missing Document: AUS not provided   AUS reflecting credit approval terms not found in file.     Reviewer Comment (2019-03-04): The full LP was provided Reviewer Comment (2019-02-25): No new documents were provided. AUS/LP is still missing exception remains. 03/04/2019     1 A 12/19/2018 VA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206104111 25675333 9799365169 10659973 25675333-5404 02/14/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxxx VVOE - Employment Only VVOE dated within 10 days of closing as required per AUS not evidenced in loan file.     Reviewer Comment (2019-02-21): Provided 02/21/2019     1 A 12/19/2018 VA Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149381 25816006 400309525 10786502 25816006-4264 02/25/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.69 is less than Guideline PITIA months reserves of 6.00. Reserve requirement not met. Final 1008 reflects Net proceeds from the sale of real estate of $70,000.00. Provided final closing statement.     Reviewer Comment (2019-02-25): The HUD from the sale of other home was provided to support funds to close and reserves. Seller Comment (2019-02-25): Settlement statement from sale of xxxx Thank you! 02/25/2019     1 A 01/25/2019 IL Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
206149382 25816007 400309225 10762340 25816007-2922 02/22/2019 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal not provided   File contained an appraisal report for property located at 2601 Ferndale Pl NE; however, appraisal for the Subject property was missing from the Loan File.     Reviewer Comment (2019-02-26): Received appraisal 02/26/2019     1 A 01/24/2019 WA Primary Purchase   D A D A A A A A Safe Harbor QM Safe Harbor QM No
206149382 25816007 400309225 10767441 25816007-4922 02/22/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: SEVERE WINTER STORM, LANDSLIDES, MUDSLIDES, AND FLOODING Disaster Declaration Date: 01/30/2009 Disaster End Date: 01/16/2009 Due to missing appraisal unable to determine most recent inspection date. The subject is located in a FEMA Disaster Area. A post-disaster inspection is required verifying there was no damage to the subject. The inspection must include exterior photos of the subject.     Reviewer Comment (2019-03-01): FEMA disaster date is from 2009 and appraisal is dated 01/17/19. 03/01/2019     1 A 01/24/2019 WA Primary Purchase   D A D A A A A A Safe Harbor QM Safe Harbor QM No
206149383 25816008 400277184 10768019 25816008-23083 02/22/2019 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 /2390531) Included in the file is 2 year 1040's signed, 4506-T signed- . P&L not signed, no balance sheet and CPA Letter.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/22/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149383 25816008 400277184 10768020 25816008-7457 02/22/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxx/Schedule C) Included in the file is 2 year 1040's signed, 4506-T signed- . P&L not signed, no balance sheet and CPA Letter.     Reviewer Comment (2019-02-26): Received signed balance sheet. 02/26/2019     1 A 01/22/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149383 25816008 400277184 10768023 25816008-25520 02/22/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Schedule C Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxxx Writer/Schedule C) No third party records used for this borrower- CPA letter or business license     Reviewer Comment (2019-02-26): Received signed balance sheet. 02/26/2019     1 A 01/22/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149383 25816008 400277184 10768024 25816008-4204 02/22/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing balance sheet and CPA Letter.     Reviewer Comment (2019-02-26): Received signed balance sheet. 02/26/2019     1 A 01/22/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149383 25816008 400277184 10768056 25816008-3867 02/22/2019 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. The co borrowers income is not satisfied for the designation- requires third party verification and balance sheet signed     Reviewer Comment (2019-02-26): Received signed balance sheet. 02/26/2019     1 A 01/22/2019 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
206149383 25816008 400277184 10768446 25816008-4408 02/22/2019 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 01/22/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/01/22/2019) The system requires that California purchase transactions the taxes are calculated by the computer, these taxes do not match the lenders taxes or escrow figures     Reviewer Comment (2019-02-25): PCCD page 3 reflects the correct amounts.   02/25/2019   2 B 01/22/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206149383 25816008 400277184 10785767 25816008-6411 02/25/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/22/2019) Missing seller CD     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/22/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206149385 25816010 400308411 10762499 25816010-2808 02/22/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Missing manual approval.     Reviewer Comment (2019-02-25): approval provided Seller Comment (2019-02-25): Please see attached loan approval and 1008 02/25/2019     1 A 01/12/2019 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206149385 25816010 400308411 10766405 25816010-25454 02/22/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Per guidelines, a second appraisal is needed for the loan to be securitized. Missing second appraisal.     Reviewer Comment (2019-03-04): Desk review provided. Exception cleared. 03/04/2019     1 A 01/12/2019 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206149385 25816010 400308411 10767502 25816010-4371 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/14/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/14/2019) Notary date is 01/14/19, however final CD reflects closing date as 01/12/19.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206149385 25816010 400308411 10767509 25816010-3879 02/22/2019 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. Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/12/2019 CA Primary Purchase No Defined Cure C B C A B B C A Safe Harbor QM Safe Harbor QM No
206149385 25816010 400308411 10774316 25816010-3495 02/22/2019 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/01/14/2019) Appraisal was provided to borrower on 01/07/19, prior to the report date of 01/14/19.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/12/2019 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206149385 25816010 400308411 10913994 25816010-25441 03/04/2019 Property Property - Appraisal Appraisal Documentation Loan is to go into a securitization and secondary valuation does not support the appraised value within a 10% tolerance. The lower value was not used to calculate LTV.   Appraised value is $890,000. Desk review value is $795,000, a -10.67% variance.     Reviewer Comment (2019-03-13): Drive By appraisal provided with a value of $878,000, a -1.3483% variance from appraised value. Exception cleared. Reviewer Comment (2019-03-12): Securitization requires a third party secondary valuation product to be within 10% of value used for LTV. A Desk Review was orderd and received outside the 10% tolerance. Another valuation product has been ordered as required for securitization and is pending receipt. Exception remains. Seller Comment (2019-03-07): Please see attached our Desk Review 03/13/2019     1 A 01/12/2019 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206149386 25816011 400310706 10785789 25816011-3861 02/25/2019 Property Property - Appraisal General Appraisal Requirements Valuation Exception:   Bottom of pages for the appraisal provided in file are cut off.     Reviewer Comment (2019-02-27): 02/27/19 Received a legible copy of the appraisal. Exception cleared. 02/27/2019     1 A 02/01/2019 AZ Primary Purchase   C A A A A A C A Safe Harbor QM Safe Harbor QM No
206149386 25816011 400310706 10785885 25816011-25454 02/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-03-04): Proteck product provided supporting the origination value 03/04/2019     1 A 02/01/2019 AZ Primary Purchase   C A A A A A C A Safe Harbor QM Safe Harbor QM No
206149391 25816015 400302718 10775006 25816015-24137 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. (Nikki/D'Addario/2392906) Co-borrower: Verbal VOE for Staples was not provided at the time of review.     Reviewer Comment (2019-02-27): SHQM Reviewer Comment (2019-02-27): 02/27/19. Cannot accept a post closed VVOE. Exception remains. Reviewer Comment (2019-02-27): Need to reopen Reviewer Comment (2019-02-27): 02/27/19 Received VVOE dated 02/26/19 to confirm employment dates for Staples Exception cleared. 02/27/2019     1 A 01/31/2019 MA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206149391 25816015 400302718 10775008 25816015-5683 02/22/2019 Compliance Compliance Federal Compliance Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (xxxxx/Wages) Co-borrower: Verbal VOE for Staples was not provided at the time of review. 02/27/19 Updated clarification. This exception pertains to current employer Tracelink not previous employer Staples.     Reviewer Comment (2019-02-27): Paystubs provided in the loan file were less than 1 month prior to the application date and VOE confirms consumer still employed 1/28/2019. Reviewer Comment (2019-02-27): 02/27/19 Updated clarification. This exception pertains to current employer Tracelink not previous employer Staples. Seller Comment (2019-02-27): 2016 & 2017 W2's were provided with the file. please clear Reviewer Comment (2019-02-27): Missing 2018 W-2 for Tracelink. Seller Comment (2019-02-26): VOE from Staples previous employer 02/27/2019     1 A 01/31/2019 MA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206149391 25816015 400302718 10775010 25816015-3315 02/22/2019 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 /Wages) Co-borrower: Verbal VOE for Staples was not provided at the time of review. 02/27/19 Updated clarification. This exception pertains to current employer Tracelink not previous employer Staples.     Reviewer Comment (2019-02-27): Paystubs provided in the loan file were less than 1 month prior to the application date and VOE confirms consumer still employed 1/28/2019. Reviewer Comment (2019-02-27): 02/27/19 Updated clarification. This exception pertains to current employer xxxx not previous employer xxxx. Seller Comment (2019-02-27): 2016 & 2017 W2's were provided. 2018 W2's were not available when this loan closed. The 16 & 17 should be sufficient. Please clear Reviewer Comment (2019-02-27): Missing 2018 W-2 for Tracelink. Seller Comment (2019-02-26): VOE for present employer 02/27/2019     1 A 01/31/2019 MA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206149391 25816015 400302718 10775011 25816015-4204 02/22/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Co-borrower: Verbal VOE for Staples was not provided at the time of review.     Reviewer Comment (2019-02-27): SHQM 02/27/2019     1 A 01/31/2019 MA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206149391 25816015 400302718 10775012 25816015-3867 02/22/2019 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. Safe Harbor QM used for testing.     Reviewer Comment (2019-02-27): SHQM loan 02/27/2019     1 A 01/31/2019 MA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206149391 25816015 400302718 10787529 25816015-23688 02/25/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Replacement Cost estimator was not provided at the time of review, dwelling coverage shortfall of $18,000.     Reviewer Comment (2019-02-26): Received policy reflecting replacement cost coverage. Coverage sufficient. Seller Comment (2019-02-26): Good morning! Yes, it does state replacement coverage. Please look again at the attached. I have placed a star next to the verbiage under description of property. Please clear. Thank yoiu Reviewer Comment (2019-02-25): The final policy from Safety Indemnity which was the final insurer does not show any replacement coverage endorsement. Seller Comment (2019-02-25): Hazard show Replacement Cost Coverage. Please clear. 02/26/2019     1 A 01/31/2019 MA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206149392 25816016 400311524 10771293 25816016-25454 02/22/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-03-04): Proteck provided to support origination value 03/04/2019     1 A 02/06/2019 NV Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149392 25816016 400311524 10772847 25816016-6542 02/22/2019 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 $1,500.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. (7506) Appraisal fee disclosed as $575 on the LE dated 1/16/17; but disclosed as $1,500 on the Final Closing Disclosure. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.     Reviewer Comment (2019-02-28): AMC received required documents. Exception is cleared. Seller Comment (2019-02-27): Post Close CD & Refund not required - Sufficient Credit to Cure Zero Tolerance Violation was already given on Final CD   02/28/2019   2 B 02/06/2019 NV 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
206149392 25816016 400311524 10788820 25816016-25506 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 9,938.04 on Final Closing Disclosure provided on 02/06/2019 not accurate. (Final/02/06/2019) Estimated Property Costs over Year 1 of $9,938.04 appears to be based on $164.42 insurance & $663.75 taxes ($164.42 + $663.75 = $882.17 * 12 =$9,938.04), however, CD did not include property taxes in section G not reflect being collected. Provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-02-28): Upon further review, the exception is cleared. Seller Comment (2019-02-27): Property Taxes escrowed - They will not appear in Section G when "zero" months are collected for the initial escrow account per our system. 02/28/2019     1 A 02/06/2019 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149392 25816016 400311524 10788867 25816016-4673 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/06/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/706032) Disclosure reflects $828.17; calculated is $164.42. Disclosure includes property taxes; page 2 does not reflect being collected.     Reviewer Comment (2019-02-28): Upon further review, the exception is cleared. Seller Comment (2019-02-27): Property Taxes escrowed - They will not appear in Section G when "zero" months are collected for the initial escrow account per our system. 02/28/2019     1 A 02/06/2019 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 B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149392 25816016 400311524 10788901 25816016-4612 02/25/2019 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 02/06/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/706032) Disclosure reflects $5,476.33; calculated is $4,812.58. Disclosure includes property taxes; page 2 does not reflect being collected.     Reviewer Comment (2019-02-28): Upon further review, the exception is cleared. Seller Comment (2019-02-27): Property Taxes escrowed - They will not appear in Section G when "zero" months are collected for the initial escrow account per our system. 02/28/2019     1 A 02/06/2019 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 B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149392 25816016 400311524 10788976 25816016-24188 02/25/2019 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 $3,247.92 on Final Closing Disclosure provided on 02/06/2019 not accurate. (Final/02/06/2019) Disclosure reflects $3,247.92; calculated is $11,212.92. Disclosure includes property taxes and hazard, HOA reflected as $270.66.     Reviewer Comment (2019-02-28): Upon further review, the exception is cleared. Seller Comment (2019-02-27): Property Taxes escrowed - They will not appear in Section G when "zero" months are collected for the initial escrow account per our system. 02/28/2019     1 A 02/06/2019 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149392 25816016 400311524 10789033 25816016-6346 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/06/2019 incorrectly disclosed whether property taxes are included in escrow. (Final/02/06/2019) Page 1 of disclosure reflects property taxes "In Escrow" as Yes; page 2 does not reflect being collected.     Reviewer Comment (2019-02-28): Upon further review, the exception is cleared. Seller Comment (2019-02-27): Property Taxes escrowed - They will not appear in Section G when "zero" months are collected for the initial escrow account per our system. 02/28/2019     1 A 02/06/2019 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 B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149392 25816016 400311524 10789117 25816016-4826 02/25/2019 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 02/06/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/06/2019) DUe to appraisal fee disclosed as $575 on the LE dated 1/16/17; but disclosed as $1,500 on the Final Closing Disclosure. Missing valid change in circumstance. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/06/2019 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149393 25816017 400296183 10804481 25816017-25158 02/25/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate Lock Agreement not found in the file.     Reviewer Comment (2019-02-26): Rate lock confirmation received. 02/26/2019     1 A 12/18/2018 WI Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149393 25816017 400296183 10804501 25816017-6542 02/25/2019 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 $625.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. (7506) A $50 cure was provided at closing for this under disclosed fee.     Reviewer Comment (2019-02-26): Final CD reflects a cure of $50.00 at closing.   02/26/2019   2 B 12/18/2018 WI 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
206149394 25199455 400264942 10727309 25199455-4264 11/29/2018 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.00 is less than Guideline PITIA months reserves of 6.00. 6 month reserves are required per lender guidelines. The reserves required would be $21587.76 however after closing and the exclusion of the Gift assets from reserves the borrower only has $7186.03 and is short by $14401.73. The file is missing additional funds to support.     Reviewer Comment (2019-02-21): Recent asset statement provided. Borrower has sufficient reserves. Exception cleared. Reviewer Comment (2018-12-27): Lender reserve calculation was provided in the trailing docs however calculated assets do not match. Final 1003 reflects $27,835.83 from BOA #xxx used in qualifying however earnest cleared after statement therefore the $20K was deducted from account balance. Total assets. $144,527.92 - cash to close on final CD $137,341.89 = $7186.03 available for reserves. Condition remains. 02/21/2019     1 A 11/06/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149394 25199455 400264942 10727311 25199455-23083 11/29/2018 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) Verification of previous employment completes the Borrower's two year employment history, as Borrower has a history of multiple jobs in the same field.     Reviewer Comment (2019-01-07): Client elects to waive.     01/07/2019 2 B 11/06/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149394 25199455 400264942 10727312 25199455-3126 11/29/2018 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. Documentation is missing from subject file.     Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 11/06/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149394 25199455 400264942 10727313 25199455-3867 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. Points and fees     Reviewer Comment (2018-12-27): Bona fide discount worksheet provided in the trialing docs. Condition has been cleared. 12/27/2018     1 A 11/06/2018 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
206149394 25199455 400264942 10727314 25199455-2683 11/29/2018 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.69790% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $18,730.61 on a Federal Total Loan Amount of $506,520.12 vs. an allowable total of $15,195.60 (an overage of $3,535.01 or .69790%). Points and Fees on subject loan of $6,036.90 or 3.05225% exceeds the allowable maximum of 3.00% or $5,933.60 of the Federal Total Loan Amount. Cure for the overage of $103.35 was not provided.     Reviewer Comment (2018-12-27): Bona fide discount worksheet provided in the trialing docs. Condition has been cleared. 12/27/2018     1 A 11/06/2018 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 Safe Harbor QM Safe Harbor QM Yes
206149394 25199455 400264942 10727315 25199455-4371 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/06/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/11/06/2018) Final Closing Disclosure dated 11/06/2018 disclosed a Closing Date of 11/06/2018. Deed of Trust was notarized on 11/07/2018.     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 C B A A Safe Harbor QM Safe Harbor QM Yes
206149394 25199455 400264942 10727316 25199455-18604 11/29/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 11/06/2018 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.) (Final/11/06/2018) Seller's Final Closing Disclosure was not provided in imaged file. Also, Final CD did not reflect any Seller fees.     Reviewer Comment (2018-12-27): Seller CD and Final Seller Alta Settlement Statement provided 12/27/2018     1 A 11/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206149394 25199455 400264942 10727317 25199455-6340 11/29/2018 Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Documentation is missing from subject file.     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 C B A A Safe Harbor QM Safe Harbor QM No
206149394 25199455 400264942 10727318 25199455-4826 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 11/06/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/06/2018) This section was incomplete     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 C B A A Safe Harbor QM Safe Harbor QM Yes
206149394 25199455 400264942 10727319 25199455-6542 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 - Endorsement Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7564) No VCC or cure was provided to the borrower     Reviewer Comment (2018-12-26): The Title-Endorsement Fee is paid to the same provider of title fees disclosed in section C on the LE. Exception Cleared. Seller Comment (2018-12-26): Hi, The endorsement fee is in the 10% tolerance section. The LE total was $3,366 with an allowed increase of $336.60. The total on the final CD is only increased by $65.00 due to the addition of the $100 endorsement fee along with a $35 decrease in the Notary Fee. No cure is needed. 12/26/2018     1 A 11/06/2018 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 Safe Harbor QM Safe Harbor QM Yes
206149394 25199455 400264942 10727320 25199455-24848 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. Exception cleared. 12/24/2018     1 A 11/06/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149394 25199455 400264942 10727321 25199455-24214 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: 12/13/2018 Desk review value is Indeterminate.     Reviewer Comment (2018-12-31): Field review 2055 has supported the value at $665,000 which is a less than 2% variance of the appraised value. 12/31/2018     1 A 11/06/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727331 25061301-24185 11/27/2018 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 $19,323.00 on Interim Closing Disclosure provided on 10/17/2018 not accurate. (Initial/10/17/2018) The taxes are listed as several different values. Per the CD the monthly fee was $1220.09 however the 1008 lists the monthly fee as $1402.49, the three month value paid by the seller equals a monthly cost of $1900     Reviewer Comment (2018-12-13): Outside of SFIG RMBS TRID review scope Reviewer Comment (2018-12-11): AMC received 1008. Please provide calculation used to calculate property taxes to determine if exception can be cleared. 12/13/2018     1 A 10/31/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206149395 25061301 400288680 10727332 25061301-3867 11/27/2018 Compliance Compliance Federal Compliance Check Loan Designation Match - QM   AUS is approve/ineligible. The loan is not agency salable.     Reviewer Comment (2019-02-21): P&L and Balance sheet provided. Exception cleared. Reviewer Comment (2019-01-03): Updated from: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Exception will be cleared once all remaining QM exceptions are resolved. Reviewer Comment (2019-01-02): Per the tape the loan was submitted for review as an AUS and not a Manual Underwrite. The AUS provided is Approve/Ineligible as the loan amount exceeds AUS limits and should have been a Manual UW. This condition is missing a lender attestation of the actual loan designation or an Approve/Eligible AUS. Seller Comment (2018-12-18): Our borrower is a realtor. The earnings reported on Schedule C are derived from commissions paid by W2 and paystubs provided. Our guides specifically state borrowers who earn commission require tax returns and paystubs reflecting YTD earnings. A P&L is not required. Reviewer Comment (2018-12-18): Condition has been escalated and remains. Loan was originated as SHQM and P & L and Balance sheet is required. Seller Comment (2018-12-14): borrower is a commission employee and we have the ytd commission he received. Please escalate Reviewer Comment (2018-12-13): Check stub report was provided in the trailing docs however YTD P&L and balance sheet were not provided. Condition remains. Reviewer Comment (2018-12-10): Appendix Q requirements not met. YTD P&L and Balance sheet were not provided. Condition remains. 02/21/2019     1 A 10/31/2018 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
206149395 25061301 400288680 10727333 25061301-6542 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 Survey Fee. Fee Amount of $285.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) Fee was not on loan estimate and paid to a different provider than other title fees     Reviewer Comment (2018-12-13): PCCD 12/13/18 and coverletter was provided in the trailing docs reflecting optional survey fee in section H. Condition has been cleared. Reviewer Comment (2018-12-11): Section H is the correct section to list optional fees. Please provide corrected CD and LOE to clear. Seller Comment (2018-12-10): Hello, Borrowers chose to have a SURVEY, this was not a requirement of loandepot 12/13/2018     1 A 10/31/2018 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
206149395 25061301 400288680 10727334 25061301-7457 11/27/2018 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxxx/Schedule C) Per QM requirements the borrower self employment income must be supported with a current year to date P&L and balance sheet.     Reviewer Comment (2019-02-21): P&L and Balance sheet provided. Exception cleared. Reviewer Comment (2019-01-02): Per the 1099 the income earned is listed as non employee earnings. The borrower reports all of the income on the schedule C as self employed. Per the prior returns there are expenses listed. The YTD earnings statement provides earnings however a balance sheet is required to also show expenses. Appendix Q requires both a P&L and Balance sheet when a borrower reports their income as self employed. Seller Comment (2018-12-18): Our borrower is a realtor. The earnings reported on Schedule C are derived from commissions paid by W2 and paystubs provided. Our guides specifically state borrowers who earn commission require tax returns and paystubs reflecting YTD earnings. A P&L is not required. Reviewer Comment (2018-12-18): Loan was originated as SHQM. YTD and P&L is required. Condition remains. Seller Comment (2018-12-14): borrower is a commission employee and we have the ytd commission he received. Please escalate Reviewer Comment (2018-12-13): Check stub report was provided in the trailing docs however YTD P&L and balance sheet were not provided. Condition remains. Reviewer Comment (2018-12-10): Appendix Q requirements not met. YTD P&L and Balance sheet were not provided. Condition remains. Seller Comment (2018-12-10): a P&L that is not required under out LD Jumbo guides 02/21/2019     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727335 25061301-4826 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 10/30/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/30/2018) No cure provided for tolerance violations     Reviewer Comment (2018-12-12): Client elects to waive     12/12/2018 2 B 10/31/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206149395 25061301 400288680 10727337 25061301-4436 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/09/17/2018) 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 Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727338 25061301-25034 11/27/2018 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 44.66985% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) The final DTi is 44.6698% which exceeds QM maximum of 43%. The borrower schedule C income is $16422.33 with REO losses of $681.34 using the updated leases at a 25% vacancy.     Reviewer Comment (2018-12-14): Both leases for xxxx reflecting total gross rent of $5650 was provided in the trailing docs. DTI 42.99898% Condition has been cleared. Seller Comment (2018-12-14): this is a two unit and there are two leases in the file totaling the rental income that I qualified at (uploaded are the two leases) Reviewer Comment (2018-12-13): AUS reflects positive $549.71 rental income for xxxx however based on information provided rental income loss is -$500.29 ($4250 X 75% = $3187.50 - $3457 - $230.79). Calculated DTI is 48.19712%. Condition remains. Reviewer Comment (2018-12-11): Updated AUS was provided in the trailing docs reflecting rental income/loss in the amount of -$234.79 and $549.71. Unable to confirm rental income/loss based on information provided. Please provide rental income calculation for both. Seller Comment (2018-12-10): Hello, how are you calculating the rental income ? The UW went off of the tax returns for the one property and the other two , used leases for a more conservative approach and because the one property does not show on the tax returns yet. 12/14/2018     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727339 25061301-1257 11/27/2018 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Final DTI exceeds the allowable 43%     Reviewer Comment (2018-12-14): Both leases for 410 6th Avenue reflecting total gross rent of $5650 was provided in the trailing docs. DTI 42.99898% Condition has been cleared. Seller Comment (2018-12-14): this is a two unit and there are two leases in the file totaling the rental income that I qualified at (uploaded are the two leases) Reviewer Comment (2018-12-13): AUS reflects positive $549.71 rental income for 410 6th Avenue however based on information provided rental income loss is -$500.29 ($4250 X 75% = $3187.50 - $3457 - $230.79). Calculated DTI is 48.19712%. Condition remains. Reviewer Comment (2018-12-10): Updated AUS was provided in the trailing docs reflecting rental income/loss in the amount of -$234.79 and $549.71. Unable to confirm rental income/loss based on information provided. Please provide rental income calculation for both. 12/14/2018     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727340 25061301-2883 12/04/2018 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   The tax cert provided appears to be the entire unit complex. Per the 1008 $1402.49 was used to qualify however the title report does not show the actual unit percentage of tax liability. The appraisal shows $18363 annually and the CD lists a monthly fee of $1220.99. The file is missing a tax certificate that represents the unit owner liability.     Reviewer Comment (2019-03-11): Tax certificate provided in original file. Exception cleared. Reviewer Comment (2018-12-31): Based on calculation worksheet, lender used mill rate of 1.48% whereas the actual is 1.488% and does result in a difference of $79.20. $14,651.93 (1.48%) vs $14,731.13 (1.488%) Issue remains. Reviewer Comment (2018-12-19): Please provide tax calculation worksheet for file. Condition remains. Seller Comment (2018-12-17): is there anything you need from me to clear this? Reviewer Comment (2018-12-13): Tax cert in file reflects mill rate is 1.488%, which based on lender method of calculation is $14,731.13 (.01488 X $989,995PP). Reviewer Comment (2018-12-13): Comments reflect tax calculation however nothing was provided in file. Please upload tax calculation for file. Condition to be cleared upon receipt. Seller Comment (2018-12-13): Annual tax rate should be 1.48% of the PP, which is $14,651.93/12=$1220.00 a month 03/11/2019     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727341 25061301-24186 12/04/2018 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 $15,216.72 on Final Closing Disclosure provided on 10/30/2018 not accurate. (Final/10/30/2018) The taxes are listed as several different values. Per the CD the monthly fee was $1220.09 however the 1008 lists the monthly fee as $1402.49, the three month value paid by the seller equals a monthly cost of $1900     Reviewer Comment (2019-03-11): Lender truncated millage rate from 1.488 to 1.48 in calculation of taxes. Good faith estimate was provided to borrower for tax amount. Exception cleared. Reviewer Comment (2018-12-26): Tax amount should be $14,731.13 ($989,995 x .01488) and Hazard insurance ($564.80) should be $15,195.93/12 1274.66 per month. Please forward PCCD with the above or documentation of an alternate amount. Reviewer Comment (2018-12-13): Tax cert in file reflects mill rate is 1.488%, which based on lender method of calculation is $14,731.13 (.01488 X $989,995PP) or $1227.59/month. Seller Comment (2018-12-13): Annual tax rate should be 1.48% of the PP, which is $14,651.93/12=$1220.00 a month Reviewer Comment (2018-12-11): AMC received 1008. Please provide calculation used to calculate property taxes to determine if exception can be cleared. Seller Comment (2018-12-10): Hello, I called the town on this matter and was told the units are not broken up yet, all they have is the entire unit. 03/11/2019     1 A 10/31/2018 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206149395 25061301 400288680 10727342 25061301-4673 12/04/2018 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/30/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/619840) The taxes are listed as several different values. Per the CD the monthly fee was $1220.09 however the 1008 lists the monthly fee as $1402.49, the three month value paid by the seller equals a monthly cost of $1900     Reviewer Comment (2019-03-11): Lender truncated millage rate from 1.488 to 1.48 in calculation of taxes. Good faith estimate was provided to borrower for tax amount. Exception cleared. Reviewer Comment (2018-12-26): Tax amount should be $14,731.13 ($989,995 x .01488) and Hazard insurance ($564.80) should be $15,195.93/12 1274.66 per month. Please forward PCCD with the above or documentation of an alternate amount. Reviewer Comment (2018-12-13): Tax cert in file reflects mill rate is 1.488%, which based on lender method of calculation is $14,731.13 (.01488 X $989,995PP) or $1227.59/month. Seller Comment (2018-12-13): Annual tax rate should be 1.48% of the PP, which is $14,651.93/12=$1220.00 a month 03/11/2019     1 A 10/31/2018 NJ 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
206149395 25061301 400288680 10727343 25061301-4612 12/04/2018 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 10/30/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/619840) The taxes are listed as several different values. Per the CD the monthly fee was $1220.09 however the 1008 lists the monthly fee as $1402.49, the three month value paid by the seller equals a monthly cost of $1900     Reviewer Comment (2019-03-11): Lender truncated millage rate from 1.488 to 1.48 in calculation of taxes. Good faith estimate was provided to borrower for tax amount. Exception cleared. Reviewer Comment (2019-01-02): Issue remains as nothing new has been provided. Seller Comment (2019-01-02): The seller at $1900.00 that's what the builder owed for the units at that time . the hazard has a $15.00 processing fee charge but it wont be added to the annual amount each year going forward - your right it should be 14,731.13 a year closer went a little lower not sure why I'm assuming an aggregate analysis will need to be done on this loan seeing its being divided Reviewer Comment (2018-12-26): Tax amount should be $14,731.13 ($989,995 x .01488) and Hazard insurance ($564.80) should be $15,195.93/12 1274.66 per month. Please forward PCCD with the above or documentation of an alternate amount. Reviewer Comment (2018-12-13): Tax cert in file reflects mill rate is 1.488%, which based on lender method of calculation is $14,731.13 (.01488 X $989,995PP). Seller Comment (2018-12-13): Annual tax rate should be 1.48% of the PP, which is $14,651.93/12=$1220.00 a month 03/11/2019     1 A 10/31/2018 NJ 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
206149395 25061301 400288680 10727344 25061301-5367 12/13/2018 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.35250% exceeds AUS total debt ratio of 42.96000%. AUS reflects positive $549.71 rental income for 410 6th Avenue however based on information provided rental income loss is -$500.29 ($4250 X 75% = $3187.50 - $3457 - $230.79). Calculated DTI is 48.19712%. Condition remains.     Reviewer Comment (2018-12-14): Both leases for xxx reflecting total gross rent of $5650 was provided in the trailing docs. DTI 42.99898% Condition has been cleared. Reviewer Comment (2018-12-14): Both leases for 410 6th Avenue reflecting total gross rent of $5650 was provided in the trailing docs. Condition has been cleared. Seller Comment (2018-12-14): this is a two unit and there are two leases in the file totaling the rental income that I qualified at (uploaded are the two leases) 12/14/2018     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727345 25061301-25035 12/13/2018 Compliance Compliance Federal Compliance General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.35250% significantly exceeds the guideline maximum of 43.00%. (DTI Exception cannot be compensated to a lower grade.) AUS reflects positive $549.71 rental income for 410 6th Avenue however based on information provided rental income loss is -$500.29 ($4250 X 75% = $3187.50 - $3457 - $230.79). Calculated DTI is 49.35250%     Reviewer Comment (2018-12-14): Both leases for 410 6th Avenue reflecting total gross rent of $5650 was provided in the trailing docs. DTI 42.99898% Condition has been cleared. 12/14/2018     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727346 25061301-5695 12/13/2018 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. AUS reflects positive $549.71 rental income for 410 6th Avenue however based on information provided rental income loss is -$500.29 ($4250 X 75% = $3187.50 - $3457 - $230.79). Calculated DTI is 49.35250%     Reviewer Comment (2018-12-14): Both leases for 410 6th Avenue reflecting total gross rent of $5650 was provided in the trailing docs. DTI 42.99898% Condition has been cleared. Seller Comment (2018-12-14): this is a two unit and there are two leases in the file totaling the rental income that I qualified at (uploaded are the two leases) 12/14/2018     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149395 25061301 400288680 10727347 25061301-3829 12/14/2018 Compliance Loan Package Documentation Loan File (Missing Doc) Incomplete loan images/file   Rental Income Calculation for xxxx Unit & reflects HOA in the amount of $1063.79. Documentation in file reflects $1010.46. Please provide supporting documentation to evidence $1063.79.     Reviewer Comment (2018-12-14): Upon further review difference of $53.33 is HOI which was provided. Condition has been cleared. 12/14/2018     1 A 10/31/2018 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149396 25403412 400261002 10754614 25403412-2808 02/21/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Lender approval missing from the loan file.     Reviewer Comment (2019-02-25): Lender approval provided 02/25/2019     1 A 11/26/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149396 25403412 400261002 10755706 25403412-3126 02/21/2019 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. Missing evidence borrower was provided a copy of the LO Compensation Disclosure at time of application.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 11/26/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149396 25403412 400261002 10756060 25403412-4371 02/21/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/28/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/11/28/2018) CD dated 11/28/18 reflects a closing date of 11/26/18 yet date of consummation is 11/28/18.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 11/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206149396 25403412 400261002 10756100 25403412-4826 02/21/2019 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 11/28/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/28/2018) Insufficient cure provided at closing     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 11/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206149396 25403412 400261002 10756251 25403412-6542 02/21/2019 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 $700.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE dated 4/19/18 reflected an appraisal fee of $650 yet final CD shows $700.     Reviewer Comment (2019-02-22): Cure provided at closing 02/22/2019     1 A 11/26/2018 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
206149396 25403412 400261002 10756252 25403412-6542 02/21/2019 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 $20.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75197) Initial LE dated 4/19/18 did not reflect a Title - Recording Service fee yet the final CD shows $20.     Reviewer Comment (2019-02-25): AMC received attestation recording service fee was requested by the vendor. exception cleared. 02/25/2019     1 A 11/26/2018 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
206149396 25403412 400261002 10756254 25403412-6542 02/21/2019 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 $1,681.80 exceeds tolerance of $1,650.00. Insufficient or no cure was provided to the borrower. (8304) Initial LE dated 4/19/18 reflected transfer tax fees of $1,650, final CD shows $1,681.80. Lender provided a cure of $81.80 at time of closing to cure.     Reviewer Comment (2019-02-22): Cure provided at closing 02/22/2019     1 A 11/26/2018 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
206149397 25403390 400298357 10766626 25403390-6677 02/22/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxxx 2388800) Missing Diploma or Course Transcripts to verify co-borrower was in college prior to employment not provided in file.     Reviewer Comment (2019-02-26): 02/26/19 Received s signed letter from Harvard business school verifying dates of MBA program. 02/26/2019     1 A 11/27/2018 MA Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206149397 25403390 400298357 10766627 25403390-3867 02/22/2019 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 co-borrower employment history not being documented.     Reviewer Comment (2019-02-26): 02/26/19 Received s signed letter from Harvard business school verifying dates of MBA program. 02/26/2019     1 A 11/27/2018 MA Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206149398 25403430 400252802 10755755 25403430-24137 02/21/2019 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. (Airton/Schmitt/2389004) Missing VVOE for Borrower prior employment to provide 2 year history.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 11/15/2018 FL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149398 25403430 400252802 10755758 25403430-3867 02/21/2019 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 VVOE for prior employment to provide 2 year history.     Reviewer Comment (2019-03-12): Evidence of Bona Fide discount points to be excluded from points and fees test provided. Exception cleared. 03/12/2019     1 A 11/15/2018 FL Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206149398 25403430 400252802 10755759 25403430-2683 02/21/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.57480% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $20,177.71 on a Federal Total Loan Amount of $564,443.25 vs. an allowable total of $16,933.29 (an overage of $3,244.42 or .57480%). Calculated points and fees of $20,177.71 (3.5748%) exceeds allowable maximum of $16,933.29 (3%).     Reviewer Comment (2019-03-12): Evidence of Bona Fide discount points to be excluded from points and fees test provided. Exception cleared. Reviewer Comment (2019-03-06): Need proof of undiscounted rate to exclude as bona-fide discount points. Seller Comment (2019-03-05): Can you please provide your calculations of what fees you are including? I am uploading our points & fees test which is passing. 03/12/2019     1 A 11/15/2018 FL 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206149398 25403430 400252802 10755760 25403430-4371 02/21/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/14/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/11/14/2018) Disclosure reflects closing date as 11/15/18; mortgage notary date is 11/19/18.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 11/15/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206149398 25403430 400252802 10763980 25403430-5404 02/22/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxxx VVOE - Employment Only Per guidelines a VVOE dated 10 business days prior to note date is required. Copy not provided. 784 FICO 27.26% DTI Aggregator Aggregator Reviewer Comment (2019-03-27): Client elects to waive. Reviewer Comment (2019-03-26): The VVOE were provided however they are all dated after the note dated 11/12/2018. Client to review Seller Comment (2019-03-26): VOE Reviewer Comment (2019-03-12): Exception remains. VVOE was done post closed on a Safe Harbor Qm loan. Reviewer Comment (2019-03-06): Equifax verification provided does not belong to the borrower. Please provide VVOE for Airton.     03/27/2019 2 B 11/15/2018 FL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149398 25403430 400252802 10764056 25403430-2924 02/22/2019 Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided         Reviewer Comment (2019-03-26): Fraud report is not required 03/26/2019     1 A 11/15/2018 FL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149399 25816018 103232166 10766661 25816018-5791 02/22/2019 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. Only FACTA Disclosure in file is signed and dated by borrower (& provided) on 2-10-19     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/10/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149399 25816018 103232166 10766662 25816018-1330 02/22/2019 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 disclosure not found in file     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/10/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149399 25816018 103232166 10766663 25816018-3879 02/22/2019 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. Home Loan Toolkit disclosure not found in file     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/10/2019 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149399 25816018 103232166 10766665 25816018-6543 02/22/2019 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 $375.00 exceeds tolerance of $151.00 plus 10% or $166.10. Insufficient or no cure was provided to the borrower. (0) COC in file disclosed an increase to the recording fees, but did not provide what new information that was obtained after the initial LE to warrant the increase. Changed Circumstance invalid.     Reviewer Comment (2019-03-06): AMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Reviewer Comment (2019-02-28): AMC received PCCD indicating cure of $183.10, LOE, Refund Check, and Shipping Label. The Shipping Label indicates package is not yet delivered. The PCCD updated Recording Fee to $73 additionally. Please provide Final Settlement Statement to confirm amount of fees charged. If the full $375 Recording Fee was charged an additional $25.80 cure is also due requiring a corrected CD, LOE, Refund Check, and Proof of Delivery.   03/06/2019   2 B 02/10/2019 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
206149399 25816018 103232166 10766666 25816018-6542 02/22/2019 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 $467.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) on $17 listed as cure amount on final CD and fee exceeds tolerance allowed of 0%     Reviewer Comment (2019-02-25): Cure provided at closing 02/25/2019     1 A 02/10/2019 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
206149399 25816018 103232166 10767254 25816018-4826 02/22/2019 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 02/08/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/08/2019) Only $17 listed as cure amount on final CD page 3 for "exceeds legal limit by" amount     Reviewer Comment (2019-03-04): Client elects to waive. Reviewer Comment (2019-02-28): AMC received PCCD indicating cure of $183.10, LOE, Refund Check, and Shipping Label. The Shipping Label indicates package is not yet delivered. The PCCD updated Recording Fee to $73 additionally. Please provide Final Settlement Statement to confirm amount of fees charged. If the full $375 Recording Fee was charged an additional $25.80 cure is also due requiring a corrected CD, LOE, Refund Check, and Proof of Delivery.     03/04/2019 2 B 02/10/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206149400 25816019 400281945 10767442 25816019-25454 02/22/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 01/31/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149400 25816019 400281945 10769195 25816019-4826 02/22/2019 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 01/29/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/29/2019) Cure for 0% tolerance violation ($961.42) not provided.     Reviewer Comment (2019-02-26): AMC received required documents, exception is cleared. 02/26/2019     1 A 01/31/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149400 25816019 400281945 10769200 25816019-6542 02/22/2019 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 $961.42 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Cure for 0% tolerance violation for the discount fee was not provided.     Reviewer Comment (2019-02-26): AMC received required documents, exception is cleared. 02/26/2019     1 A 01/31/2019 TX 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
206149400 25816019 400281945 10791946 25816019-6411 02/25/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/29/2019) Missing seller's CD     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/31/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149400 25816019 400281945 10799724 25816019-25158 02/25/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/31/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149401 25816020 600114179 10792316 25816020-1003 02/25/2019 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 25% Ownership) income. (Knox,Kevin Blue Lake Investments/Schedule K-1 less than 25 Percent) Missing the 2nd year K1 for Blue Lake Investments. 2 years K1s are required on manual underwrites.     Reviewer Comment (2019-03-28): Ownership of 3.02% does not qualify as SE income for the two years Appendix Q documentation requirements. Reviewer Comment (2019-02-26): Exceptions remains if 2016 K-1 cannot be obtained as Appendix Q requires two years income verification for Safe Harbor loans. 03/28/2019     1 A 01/22/2019 CA Primary Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206149401 25816020 600114179 10792512 25816020-3867 02/25/2019 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 (2019-03-28): SHQM Loan Reviewer Comment (2019-02-26): Exceptions remains if 2016 K-1 cannot be obtained as Appendix Q requires two years income verification for Safe Harbor loans. 03/28/2019     1 A 01/22/2019 CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206149402 25816021 103216123 10769652 25816021-25454 02/22/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Secondary valuation is needed for securitization and was not located in the loan package.     Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 01/23/2019 CA Primary Refinance - Cash-out - Other   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206149402 25816021 103216123 10769758 25816021-4087 02/22/2019 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 (2019-03-05): Client elects to waive.     03/05/2019 2 B 01/23/2019 CA Primary Refinance - Cash-out - Other   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206149402 25816021 103216123 10769759 25816021-6583 02/22/2019 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 $467.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) A $17 credit was disclosed on final Closing Disclosure as the amount by which legal limits were exceeded.         02/22/2019   1 A 01/23/2019 CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206149403 25816022 400250002 10776080 25816022-25454 02/22/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 01/25/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149403 25816022 400250002 10777171 25816022-2802 02/22/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003         Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/25/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149403 25816022 400250002 10777467 25816022-3867 02/22/2019 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. QM Points and Fees test not met due to YSP paid to broker and fees paid to lender affiliate.     Reviewer Comment (2019-03-01): Undiscounted Rate is 5.00% with a Bona Fide Discount Point charge of 0.771% to the borrower. Lender provided Points and Fess computation. Exception cleared. 03/01/2019     1 A 01/25/2019 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
206149403 25816022 400250002 10777468 25816022-2683 02/22/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.43950% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,986.71 on a Federal Total Loan Amount of $522,944.83 vs. an allowable total of $15,688.34 (an overage of $2,298.37 or .43950%). Points and Fees on subject loan of 3.43950% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,986.71 on a Federal Total Loan Amount of $522,944.83 vs. an allowable total of $15,688.34 (an overage of $2,298.37 or .43950%).     Reviewer Comment (2019-03-01): Undiscounted Rate is 5.00% with a Bona Fide Discount Point charge of 0.771% to the borrower. Lender provided Points and Fess computation. Exception cleared. 03/01/2019     1 A 01/25/2019 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
206149403 25816022 400250002 10777469 25816022-4087 02/22/2019 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 not signed.     Reviewer Comment (2019-03-05): Client elects to waive.     03/05/2019 2 B 01/25/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149403 25816022 400250002 10777474 25816022-6542 02/22/2019 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 $378.88 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75174) Fee was not disclosed on Loan Estimate and no COC in file.     Reviewer Comment (2019-03-01): Cured provide at closing. Reviewer Comment (2019-02-28): PCCD, Copy of Refund check, Letter of explanation have been received and Fedex shipping label #xxxxhas been created, but not yet shipped. Will cure as soon as proof of delivery can be confirmed. Seller Comment (2019-02-28): copy of CD, Refund Check , LOE and Fed-x 03/01/2019     1 A 01/25/2019 TX 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
206149403 25816022 400250002 10777475 25816022-6542 02/22/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $4.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75188) Fee was not disclosed on Loan Estimate and no COC in file.     Reviewer Comment (2019-03-01): Cured provide at closing. Reviewer Comment (2019-02-28): PCCD, Copy of Refund check, Letter of explanation have been received and Fedex shipping label #xxxx has been created, but not yet shipped. Will cure as soon as proof of delivery can be confirmed. Seller Comment (2019-02-28): copy CD, Refund check, LOE and Fedx 03/01/2019     1 A 01/25/2019 TX 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
206149403 25816022 400250002 10790667 25816022-3495 02/25/2019 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/01/23/2019) Appraisal was provided on 01/21/19, prior to the report date of 01/23/19.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/25/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149403 25816022 400250002 10790678 25816022-4371 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/23/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/23/2019) Closing Date on consumer's final CD is 01/23/2019. Notary Date is 01/25/2019.     Reviewer Comment (2019-02-28): Letter of Explanation & Corrected Closing Disclosure provided.   02/28/2019   1 A 01/25/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149403 25816022 400250002 10790679 25816022-6623 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/23/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/01/23/2019) Contact Name not provided.     Reviewer Comment (2019-02-28): Email address provided for general contact at Lender due to Brokered loan. Broker Contact has been provided. 02/28/2019     1 A 01/25/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149403 25816022 400250002 10790680 25816022-4826 02/25/2019 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 01/23/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/23/2019) Cure for tolerance violations was not provided.     Reviewer Comment (2019-03-04): Client elects to waive. Reviewer Comment (2019-02-28): Tolerance cure for Survey Fee of $378.88 and E Doc Delivery Fee of $4.50 has been received. Still need Tax Certificate fee of $28.80 cure     03/04/2019 2 B 01/25/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149403 25816022 400250002 10790681 25816022-3879 02/25/2019 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. Neither a copy of the booklet nor the borrower's acknowledgment of receipt is provided.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/25/2019 TX Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149403 25816022 400250002 10790682 25816022-17648 02/25/2019 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/01/23/2019) 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 $21,396.82 in seller paid closing costs, borrower's final CD shows $0.00.     Reviewer Comment (2019-02-28): Letter of Explanation & Corrected Closing Disclosure provided.   02/28/2019   1 A 01/25/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149403 25816022 400250002 10790683 25816022-6542 02/25/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $28.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75204) Fee was not disclosed on Loan Estimate and no COC in file.     Reviewer Comment (2019-03-01): Cured provide at closing. Reviewer Comment (2019-02-28): A valid COC was not provided. This zero tolerance fee is still open to be cured. A Corrected CD, Copy of refund check, letter of explanation and proof of delivery are required. Seller Comment (2019-02-28): Please review this condition the 28.00 Tax Cert is paid by the Seller , a cure for this is not needed 03/01/2019     1 A 01/25/2019 TX 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
206149403 25816022 400250002 10791093 25816022-6507 02/25/2019 Compliance Compliance Federal Compliance TILA NMLSR - Individual Originator License Status Not Approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. The originator reflected on the Note, Security Instrument, and Final 1003 was not licensed in the state of TX on the application date. The initial application was taken by another originator who appears to have left the broker company prior to the closing of the loan.     Reviewer Comment (2019-02-26): Initial application was taken by another Loan Officer who was active at time of application.During the process the Loan Officer changed and file moved to a new loan officer who was effective 04/30/2018. Loan closed 01/25/2019. Exception cleared. 02/26/2019     1 A 01/25/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149403 25816022 400250002 10882069 25816022-6545 03/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $378.88 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75174) Sufficient or excess cure was provided to the borrower     Reviewer Comment (2019-03-05): Client elects to waive.     03/05/2019 2 B 01/25/2019 TX Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206149405 25816024 400308912 10767703 25816024-3126 02/22/2019 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 (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/06/2019 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206149405 25816024 400308912 10767704 25816024-4371 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/06/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/06/2019) Final Closing Disclosure provided on 02/06/2019 disclosed a Closing Date that did not match the actual date of consummation, 2/08/2019.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/06/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206149405 25816024 400308912 10767735 25816024-6623 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 02/06/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/06/2019) Final Closing Disclosure provided on 02/06/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/06/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206149405 25816024 400308912 10767903 25816024-25454 02/22/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 02/06/2019 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206149406 25816025 400305541 10774125 25816025-25454 02/22/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Secondary valuation product is missing from the file.     Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149406 25816025 400305541 10775992 25816025-5683 02/22/2019 Compliance Compliance Federal Compliance Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (Yeaton-Massey,Amanda University of California San Francisco/Wages) The borrower recently started job & we have the offer letter with income; as well as The Work Number with income from prior employment.     Reviewer Comment (2019-02-25): The borrower started new job on 01/02/19. Lender verified income with most current paystub dated 02/01/19, which was the first pay date for borrower and VVOE reflecting actively employed. Loan did not disburse until 02/04/19. 02/25/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149406 25816025 400305541 10775995 25816025-3315 02/22/2019 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. (Yeaton-Massey,Amanda University of California San Francisco/Wages) The borrower recently started job & we have the offer letter with income; as well as The Work Number with income from prior employment.     Reviewer Comment (2019-02-25): The borrower started new job on 01/02/19. Lender verified income with most current paystub dated 02/01/19, which was the first pay date for borrower and VVOE reflecting actively employed. Loan did not disburse until 02/04/19. 02/25/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149406 25816025 400305541 10775997 25816025-3867 02/22/2019 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 the borrower just starting new job; income documentation for current employment is insufficient; however, the file contains the offer letter with income; as well as The Work Number with income from prior employment.     Reviewer Comment (2019-02-25): The borrower started new job on 01/02/19. Lender verified income with most current paystub dated 02/01/19, which was the first pay date for borrower and VVOE reflecting actively employed. Loan did not disburse until 02/04/19. 02/25/2019     1 A 01/29/2019 CA 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
206149406 25816025 400305541 10775998 25816025-25513 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 34,038.12 on Final Closing Disclosure provided on 01/29/2019 not accurate. (Final/01/29/2019) Final closing disclosure reflects HOI monthly premium of $173.58; however, HOI in file reflects monthly premium of $167.08.     Reviewer Comment (2019-02-26): AMC received PCCD correcting non escrowed property costs over 1 year and LOE. Exception Cured.   02/26/2019   2 B 01/29/2019 CA 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
206149406 25816025 400305541 10776058 25816025-4204 02/22/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Due to the borrower just starting new job; income documentation for current employment is insufficient; however, the file contains the offer letter with income; as well as The Work Number with income from prior employment.     Reviewer Comment (2019-02-25): The borrower started new job on 01/02/19. Lender verified income with most current paystub dated 02/01/19, which was the first pay date for borrower and VVOE reflecting actively employed. Loan did not disburse until 02/04/19. 02/25/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206149406 25816025 400305541 10819798 25816025-4394 02/26/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/29/2019 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/01/29/2019) The lower value is used. Exception Cleared.     Reviewer Comment (2019-02-26): The lower value is used. Exception Cleared. 02/26/2019     1 A 01/29/2019 CA 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
206149407 25816026 103176752 10768816 25816026-25513 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,506.64 on Final Closing Disclosure provided on 01/30/2019 not accurate. (Final/01/30/2019) Homeowner's Insurance policy dated 02/06/2019 indicated the Annual Premium of $1044.15 with a Balance Due of $1047.15; Consumer(s) Final CD and Post CDs do not support the Estimated Property Costs over Year 1 of $9565.59.     Reviewer Comment (2019-02-25): A PCCD was provided on 2/7/2019 correcting the cost over year 1   02/25/2019   2 B 02/01/2019 CA 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
206149408 25816027 103204847 10790436 25816027-6583 02/25/2019 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 $255.25 exceeds tolerance of $186.00. Sufficient or excess cure was provided to the borrower at Closing. (7564) A sufficient cure was disclosed for under disclosure of Title - Endorsement Fee.         02/25/2019   1 A 02/04/2019 FL Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM Yes
206149408 25816027 103204847 10790439 25816027-6583 02/25/2019 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 - Lender's Title Insurance. Fee Amount of $2,052.50 exceeds tolerance of $1,530.00. Sufficient or excess cure was provided to the borrower at Closing. (7567) A sufficient cure was disclosed for under disclosure of Title - Lender's Title Insurance Fee.         02/25/2019   1 A 02/04/2019 FL Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM Yes
206149409 25816028 103216822 10772733 25816028-25520 02/22/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Schedule C Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C) Missing 3rd Party verification.     Reviewer Comment (2019-02-28): Documentation requirements met for Schedule C loss. Exception cleared. 02/28/2019     1 A 02/01/2019 NV Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149409 25816028 103216822 10772895 25816028-23083 02/22/2019 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. (xxxx/2395731) Borrower meets 2 years employment guidelines, missing K-1's from 2016 and qualifying method used was most recent year. Only 1 year required per lender guidelines.     Reviewer Comment (2019-03-04): Client elects to waive. Reviewer Comment (2019-02-28): Missing third party explicit employment dates for Schedule C business loss. Lender guides require 2 years income, not one year. Exception remains.     03/04/2019 2 B 02/01/2019 NV Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149409 25816028 103216822 10772896 25816028-4204 02/22/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Borrower meets 2 years employment guidelines, missing K-1's from 2016 and qualifying method used was most recent year. Only 1 year required per lender guidelines.     Reviewer Comment (2019-02-28): 2015 and 2016 K-1's provided. Exception cleared. 02/28/2019     1 A 02/01/2019 NV Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149409 25816028 103216822 10772898 25816028-3867 02/22/2019 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. Borrower meets 2 years employment guidelines, missing K-1's from 2016 and qualifying method used was most recent year. Only 1 year required per lender guidelines.     Reviewer Comment (2019-02-28): 2015 and 2016 K-1's provided. Exception cleared. Seller Comment (2019-02-27): cannot tell what exactly you require to cure this condition as it's vague. this is a valid business...what QM/ATR issue is it you need validated? what documentation are you asking for to verify status? you have tax returns, etc. why is this a QM/ATR status issue? please provide clarification of exact document needed 02/28/2019     1 A 02/01/2019 NV 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
206149409 25816028 103216822 10802779 25816028-1003 02/25/2019 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 25% Ownership) income. (Axelrod,Brett Fox Rothschild LLP/Schedule K-1 less than 25 Percent) Missing 2016 K-1's.     Reviewer Comment (2019-02-28): 2015 and 2016 K-1's provided. Exception cleared. 02/28/2019     1 A 02/01/2019 NV Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149409 25816028 103216822 10803304 25816028-4436 02/25/2019 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/01/14/2019) Missing acknowledgement of appraisal receipt.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/01/2019 NV Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206149410 25816029 400309912 10776064 25816029-25158 02/22/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. No evidence of the Rate Lock provided.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/18/2019 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206149410 25816029 400309912 10776065 25816029-4371 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/18/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/18/2019) Verified the Final CD and the closing date reflects 1/18/19, even though borrower actually signed on 1/19/19. State is California.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/18/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206149410 25816029 400309912 10776292 25816029-4613 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/18/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/01/18/2019) Final CD section F collected $1,033.50 /12 = 86.13, however section G reads monthly of $286.32. Deceleration page reads $859.00     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/18/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206149410 25816029 400309912 10794327 25816029-2808 02/25/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Missing loan approval     Reviewer Comment (2019-03-01): Received loan approval Seller Comment (2019-02-27): Final UW Approval 03/01/2019     1 A 01/18/2019 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206149411 25816030 400273811 10777264 25816030-6415 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/24/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/01/24/2019) Lender contact not provided.     Reviewer Comment (2019-03-06): Upon further review loan is not a table-funded loan, thus information is not required. Exception cleared. Reviewer Comment (2019-02-28): Exception may be downgraded to an EV2 with a lender attestation stating borrower had not contact directly with individual lender contact and only contact was made through the broker. Reviewer Comment (2019-02-26): Contact NMLS Id number is missing for xxxxx. Please provide PCCD and LOE with this information in order to address the exception. Seller Comment (2019-02-25): Please refer to page 5 of the attached CD dated 1.24.19 03/06/2019     1 A 01/24/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206149411 25816030 400273811 10777266 25816030-4826 02/22/2019 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 01/24/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/24/2019) No amount is disclosed as exceeding limit.     Reviewer Comment (2019-02-26): AMC received required documents, exception is cleared. 02/26/2019     1 A 01/24/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206149411 25816030 400273811 10777267 25816030-6411 02/22/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/24/2019) Separate seller CD not located.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/24/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206149411 25816030 400273811 10792557 25816030-6543 02/25/2019 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 $1,656.00 exceeds tolerance of $1,351.00 plus 10% or $1,486.10. Insufficient or no cure was provided to the borrower. (0) Survey fee not initially disclosed to borrower.     Reviewer Comment (2019-02-26): AMC received required documents, exception is cleared. 02/26/2019     1 A 01/24/2019 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
206149413 25816032 400307892 10769408 25816032-2808 02/22/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Lender Approval was not found in the loan file     Reviewer Comment (2019-02-26): Received loan approval. 02/26/2019     1 A 01/04/2019 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149413 25816032 400307892 10785359 25816032-6542 02/25/2019 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 $705.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-02-25): Cure provided at closing 02/25/2019     1 A 01/04/2019 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
206149413 25816032 400307892 10794172 25816032-3495 02/25/2019 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/01/04/2019) Appraisal was provided on 12/26/18, prior to the report date of 01/04/19.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/04/2019 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149414 25816033 400302534 10778292 25816033-6542 02/22/2019 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 $760.00 exceeds tolerance of $675.00. Insufficient or no cure was provided to the borrower. (7506) Appraisal fee disclosed as $675 on the LE dated 11/14/17; but disclosed as $760 on the Final Closing Disclosure. Title Company listed on SSPL.     Reviewer Comment (2019-02-25): Cure provided at closing 02/25/2019     1 A 01/18/2019 IL 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
206149414 25816033 400302534 10778294 25816033-6542 02/22/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) Title Abstract fee disclosed as $0 on the LE dated 11/14/17; but disclosed as $250 on the Final Closing Disclosure. Title Company listed on SSPL.     Reviewer Comment (2019-02-26): Chicago Title listed on SSPL; however office location listed on SSPL and contact information are not the same office and contact info as the Title Commitment in the loan file thus the borrower shopped for fees subject to no tolerance Seller Comment (2019-02-26): loan did not close with provider on SPL. 2 different entities. This is not a zero percent fee. please clear however, i do not see a fee charged on the CD for abstract / title search? 02/26/2019     1 A 01/18/2019 IL 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
206149414 25816033 400302534 10778295 25816033-6542 02/22/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Compliance Audit / Quality Control Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77171) Title Compliance fee disclosed as $0 on the LE dated 11/14/17; but disclosed as $50 on the Final Closing Disclosure. Title Company listed on SSPL.     Reviewer Comment (2019-02-26): Chicago Title listed on SSPL; however office location listed on SSPL and contact information are not the same office and contact info as the Title Commitment in the loan file thus the borrower shopped for fees subject to no tolerance Seller Comment (2019-02-26): loan did not close with provider on SPL. 2 different entities. This is not a zero percent fee. please clear 02/26/2019     1 A 01/18/2019 IL 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
206149414 25816033 400302534 10778296 25816033-6542 02/22/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77188) Title Tax Cert fee disclosed as $0 on the LE dated 11/14/17; but disclosed as $50 on the Final Closing Disclosure. Title Company listed on SSPL.     Reviewer Comment (2019-02-26): Chicago Title listed on SSPL; however office location listed on SSPL and contact information are not the same office and contact info as the Title Commitment in the loan file thus the borrower shopped for fees subject to no tolerance Seller Comment (2019-02-26): The title- tax certificate fee charged to the seller and is not included in tolerance fees 02/26/2019     1 A 01/18/2019 IL 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
206149414 25816033 400302534 10778297 25816033-6542 02/22/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $6.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77223) Title Policy Guarantee fee disclosed as $0 on the LE dated 11/14/17; but disclosed as $6 on the Final Closing Disclosure. Title Company listed on SSPL.     Reviewer Comment (2019-02-26): xxxx listed on SSPL; however office location listed on SSPL and contact information are not the same office and contact info as the Title Commitment in the loan file thus the borrower shopped for fees subject to no tolerance Seller Comment (2019-02-26): I do not see this fee charged on the final CD? 02/26/2019     1 A 01/18/2019 IL 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
206149414 25816033 400302534 10778298 25816033-6542 02/22/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Update. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77225) Title Update fee disclosed as $0 on the LE dated 11/14/17; but disclosed as $250 on the Final Closing Disclosure. Title Company listed on SSPL.     Reviewer Comment (2019-02-26): xxxx listed on SSPL; however office location listed on SSPL and contact information are not the same office and contact info as the Title Commitment in the loan file thus the borrower shopped for fees subject to no tolerance Seller Comment (2019-02-26): loan did not close with provider on SPL. 2 different entities. This is not a zero percent fee. please clear 02/26/2019     1 A 01/18/2019 IL 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
206149414 25816033 400302534 10778314 25816033-4436 02/22/2019 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/11/27/2018) Evidence of being provided to borrower not in file.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/18/2019 IL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149414 25816033 400302534 10778336 25816033-4826 02/22/2019 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 01/17/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/17/2019) Cure for various 0% tolerance violations $691 was not provided. Cure for $85 was provided     Reviewer Comment (2019-02-26): Chicago Title listed on SSPL; however office location listed on SSPL and contact information are not the same office and contact info as the Title Commitment in the loan file thus the borrower shopped for fees subject to no tolerance 02/26/2019     1 A 01/18/2019 IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206149414 25816033 400302534 10778349 25816033-4256 02/22/2019 Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 679 is less than Guideline representative FICO score of 700. Lender used Borrower mid score. 62 months reserves 36% DTI Aggregator Aggregator Reviewer Comment (2019-03-26): Client elects to waive.     03/26/2019 2 B 01/18/2019 IL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149414 25816033 400302534 10790917 25816033-2811 02/25/2019 Credit Loan Package Documentation Application / Processing Missing Document: AUS not provided   Per guidelines AUS Approve/Ineligible required. 62 months reserves 36% DTI Aggregator Aggregator Reviewer Comment (2019-03-20): Client elects to waive. Reviewer Comment (2019-03-12): Client to review credit exception. Seller Comment (2019-03-11): Exception granted by our credit policy dept to proceed without the AUS on this loan. Please clear.     03/20/2019 2 B 01/18/2019 IL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149414 25816033 400302534 10795726 25816033-24848 02/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.         Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 01/18/2019 IL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149414 25816033 400302534 10801683 25816033-3831 02/25/2019 Credit Credit Miscellaneous Credit Exception:   Missing proof of PITI for property located at 340 Lane 120 Hamilton.     Reviewer Comment (2019-02-26): Received proof of PITI, 02/26/2019     1 A 01/18/2019 IL Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206149414 25816033 400302534 10814013 25816033-6583 02/26/2019 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 $760.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) $85 cure provided to the borrower at closing.         02/26/2019   1 A 01/18/2019 IL Primary Purchase Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206149415 25816034 400297500 10775283 25816034-2808 02/22/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-03-06): Received loan approval 03/06/2019     1 A 11/09/2018 NV Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149415 25816034 400297500 10775730 25816034-24490 02/22/2019 Compliance Compliance Federal Compliance Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.       Reviewer Comment (2019-03-06): Received payoff statement 03/06/2019     1 A 11/09/2018 NV Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206149415 25816034 400297500 10775917 25816034-24188 02/22/2019 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 $3,060.00 on Final Closing Disclosure provided on 11/09/2018 not accurate. (Final/11/09/2018) Amount of Non-Escrowed Property Costs over Year 1 of $3,060.00 on Final Closing Disclosure does not match the calculation of HOA dues of $95 per the appraisal when annualized over 1 year, should equal $1140     Reviewer Comment (2019-03-05): HOA document received confirms HOA of $255 / month 03/05/2019     1 A 11/09/2018 NV 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
206149415 25816034 400297500 10776584 25816034-2666 02/22/2019 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 11/14/2018, prior to three (3) business days from transaction date of 11/14/2018. The Notice of Right to Cancel expiration date of 11/17/18 cannot be after date of disbursement of loan 11/14/18.     Reviewer Comment (2019-02-25): A PCCD was provided on 12/3/2018 correcting the disbursement date to 11/19/2018   02/25/2019   2 B 11/09/2018 NV 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
206149415 25816034 400297500 10776585 25816034-4371 02/22/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/09/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/11/09/2018) The Notice of Right to Cancel expiration date of 11/17/18 cannot be after date of disbursement of loan 11/14/18.     Reviewer Comment (2019-02-25): A PCCD was provided on 12/3/2018 correcting the disbursement date to 11/19/2018   02/25/2019   1 A 11/09/2018 NV 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
206149418 25816037 600115874 10779668 25816037-855 02/22/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/12/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018 A 442 inspection in file is dated 01/11/19 but does not address if property was inspected in person and/or impacted by natural disaster. The subject is located in a FEMA Disaster Area. A post-disaster inspection is required verifying there was no damage to the subject. The inspection must include exterior photos of the subject.     Reviewer Comment (2019-03-18): Property Condition Inspection 3/10/19 was provided in the trialing docs reflecting property in good condition with no exterior repairs required. Condition has been cleared. 03/18/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149418 25816037 600115874 10796196 25816037-4264 02/25/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.12 is less than Guideline PITIA months reserves of 6.00. Insufficient reserves. Guides require 6 months.     Reviewer Comment (2019-02-26): Loan was originated as Temp Safe Harbor. Requirements met through AUS approval. Seller Comment (2019-02-26): Transaction is a primary SFR which requires 2 months reserves = $6319.64 02/26/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149418 25816037 600115874 10799645 25816037-6415 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/28/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/01/28/2019) The final CD and PCCD did not disclose the Lender NMLS ID, Contact Name NMLS ID.     Reviewer Comment (2019-03-06): Upon further review loan is not a table funded loan, thus information not required to b e on CD. Exception cleared. Reviewer Comment (2019-03-05): CFPB still requires the contact information completed even on brokered loans. Exception can be waived at request. Just for information purposes, the regulations still require some identifying information. Email address and phone number. Section 1026.38(r)(6) and (7) requires disclosure of the email address and phone number, respectively, for the persons listed in � 1026.37(r)(4). Disclosure of a general number or email address for the lender, mortgage broker, real estate broker, or settlement agent, as applicable, satisfies this requirement if no such information is generally available for such person. General email address for Lender provided on final CD for broker transaction is acceptable. Seller Comment (2019-03-05): This s a Wholesale loan. LoanDepot Contact does not have a NMLS number - they are not the LLO. NMLS for LLO is listed under Mortgage Broker 03/06/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term 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
206149418 25816037 600115874 10799891 25816037-24137 02/25/2019 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. (Nicole/Helo/2396928) VVOE in file for prior employment with Cedar - Sinai does not reflect employment end date.     Reviewer Comment (2019-02-26): Loan was originated as Temp Safe Harbor. Requirements met through AUS approval. 02/26/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149418 25816037 600115874 10799892 25816037-3325 02/25/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 1540 S Highland Ave. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Missing lease and/or transcripts for rental property located at 1540 S Highland Ave.     Reviewer Comment (2019-02-26): Loan was originated as Temp Safe Harbor. Requirements met through AUS approval. Seller Comment (2019-02-26): See CPA letter explaining what this is. Property is a commercial property and has been reported for 2 years. Income not needed to qualify. 02/26/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149418 25816037 600115874 10799976 25816037-25034 02/25/2019 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 44.99629% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) Loan was approved with a DTi of 44.992% and review DTI is calculated at 45.00153%, both exceed guideline Safe Harbor DTI maximum of 43%.     Reviewer Comment (2019-02-26): Loan was originated as Temp Safe Harbor. Requirements met through AUS approval. Seller Comment (2019-02-26): Loan type is Executive High Balance 30yr Fixed = max DTI is 45% 02/26/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149418 25816037 600115874 10799977 25816037-3867 02/25/2019 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. Loan was approved with a DTi of 44.992% and review DTI is calculated at 45.00153%, both exceed guideline Safe Harbor DTI maximum of 43%.     Reviewer Comment (2019-02-26): Loan was originated as Temp Safe Harbor. Requirements met through AUS approval. Seller Comment (2019-02-26): Loan type is Executive High Balance 30yr Fixed = max DTI is 45% 02/26/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206149418 25816037 600115874 10799979 25816037-1257 02/25/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Loan was approved with a DTi of 44.992% and review DTI is calculated at 45.00153%, both exceed guideline DTI maximum of 43%.     Reviewer Comment (2019-02-26): Loan was originated as Temp Safe Harbor. Requirements met through AUS approval. Seller Comment (2019-02-26): Loan type is Executive High Balance 30yr Fixed = max DTI is 45% 02/26/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149418 25816037 600115874 10800920 25816037-3831 02/25/2019 Credit Credit Miscellaneous Credit Exception:   Missing proof of PITI for property located at 1540 S Highland Ave     Reviewer Comment (2019-03-12): Borrower does not own property and sub-leases the unit they currently rent. Exception cleared. Seller Comment (2019-03-11): Please advise if this has been reviewed Seller Comment (2019-03-08): Please advise if this has been reviewed, thanks. Seller Comment (2019-03-06): Borrower does not own this property, she subleases space in the building. NO PITIA.. See CPA letter already provided. 03/12/2019     1 A 01/29/2019 CA Primary Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149420 25816039 400288099 10787956 25816039-4371 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/30/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/30/2019) : Final Closing Disclosure provided on 01/30/2019 disclosed a Closing Date of 2/1/2019 however the notary date is 2/2/2019     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/01/2019 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
206149420 25816039 400288099 10787960 25816039-6623 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/30/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/01/30/2019) Final Closing Disclosure provided on 01/30/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/01/30/2019)     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/01/2019 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
206149420 25816039 400288099 10787965 25816039-6411 02/25/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/30/2019) Seller Closing Disclosure not located in the file. (Final/01/30/2019)     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/01/2019 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
206149420 25816039 400288099 10798991 25816039-24137 02/25/2019 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. (Monica/Pomeranetz/2397238) Co-Borrower: Verbal VOE for previous employment was not provided to verify a minimum of 2 yr. history.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/01/2019 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149420 25816039 400288099 10799012 25816039-2883 02/25/2019 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   California purchase of 1.25% are taxes of $8921.56, per the tax cert using 1.17691% the taxes would be $8396.37 however the borrower was qualified using a tax rate of $10,705.92.     Reviewer Comment (2019-03-26): The use of a higher percentage is acceptable as a more conservative approach when qualifying a borrower. Reviewer Comment (2019-03-12): Provide supporting documentation for estimated tax rate used. Exception remains. Seller Comment (2019-03-06): This is new construction - U/W used a higher tax rate of 1.50% including the mello roos tax which is a special tax included in the general tax . as of right now county doesn't have the taxes updated. I feel what we used to close if fine . 03/26/2019     1 A 02/01/2019 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149420 25816039 400288099 10799050 25816039-4264 02/25/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.68 is less than Guideline PITIA months reserves of 6.00. Jumbo Advantage program requires 6 mos PITIA.     Reviewer Comment (2019-03-13): Loan was approved as an Temporary QM loan. AUS did not require reserves. Exception cleared. Reviewer Comment (2019-03-12): Loans were a manual underwrite to the guides provided labeled Jumbo Advantage 12.31.2018 and state Regardless of eligibility, underwriting to the DU Cert is not allowed under this loan program. Guides require 6 months reserves. Exception remains. Seller Comment (2019-03-11): PER THE UW: just reviewed credit matrix for high balance conventional loans and I also see that it states we go off DU? Per the last DU run, no reserves need to be verified? Can you please advise? SEE ATTACHED 03/13/2019     1 A 02/01/2019 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149421 25403490 400290716 10755408 25403490-4702 02/21/2019 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: TD Bank / End Date: 09/11/2018 // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx / End Date: 08/25/2018 // Account Type: Savings / Account Number: xxxx Per guidelines; 2 months of bank statements are required; 1 month provided in file.     Reviewer Comment (2019-02-26): Received 2 months for xxx and xxxx 02/26/2019     1 A 11/16/2018 NJ Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149421 25403490 400290716 10755640 25403490-25158 02/21/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock not provided.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 11/16/2018 NJ Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149421 25403490 400290716 10755644 25403490-3879 02/21/2019 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. Evidence of being provided not in file.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 11/16/2018 NJ Primary Purchase No Defined Cure C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149421 25403490 400290716 10764874 25403490-4961 02/22/2019 Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Per guidelines VOR is required; evidence not provided in file.     Reviewer Comment (2019-03-06): Received DU with Approved/Eligible status. DU does not require a VOR. Issue cleared. Reviewer Comment (2019-02-27): Per the 1008 and loan images this transaction was submitted as an LP (FreddieMac) but ineligible due to the property type and not the loan amount. The review was then deferred to lender guidelines which required a housing history for first time home buyers. If an AUS was obtained as a high balance mortgage please provide and correct the 1008 Risk assessment section. Seller Comment (2019-02-27): This is a Fannie Mae high balance loan not a non conforming product. Reviewer Comment (2019-02-26): 02/26/19: Housing payment history - First Time Home Buyer Updated: May 30, 2018 Housing (rental) payment history covering the most recent and consecutive 12 month period (minimum) with no late payments must be verified either by the credit bureau or by direct verification. Exception remains. Seller Comment (2019-02-25): Hello, this is a High Balance loan, VOR is not required. thank you 03/06/2019     1 A 11/16/2018 NJ Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149421 25403490 400290716 10767400 25403490-6583 02/22/2019 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 $525.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal fee disclosed as $475 on the LE dated 9/13/18; but disclosed as $525 on the Final Closing Disclosure. Cure was provided.         02/22/2019   1 A 11/16/2018 NJ Primary Purchase Final CD evidences Cure C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206149421 25403490 400290716 10767524 25403490-5404 02/22/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxxx W-2 (2016) Per guidelines 2 years of W2's are required; only 1 year provided 2016 missing.     Reviewer Comment (2019-02-27): Received 2016 W-2 Seller Comment (2019-02-27): W-2 for xxxx was uploaded on 2/25/19 at 2:02pm. is this not what is needed? I have re uploaded both 2016 and 2017 Thank you Reviewer Comment (2019-02-27): 02/27/19. Guidelines require 2 year of employment verification. Borrower only provided W-2 for 2017. File is missing 2016 W-2 for Slalom Consulting LLC.. Need 2016 W-2 for this employer. Seller Comment (2019-02-26): Per your Exception Information only 2016 W-2 was missing.... Per guidelines 2 years of W2's are required; only 1 year provided 2016 missing Please advise Reviewer Comment (2019-02-26): 02/26/19 Exception remains per guidelines we need 2 years employment versification 2016 W-2 02/27/2019     1 A 11/16/2018 NJ Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149421 25403490 400290716 10812349 25403490-3831 02/26/2019 Credit Credit Miscellaneous Credit Exception:   Co-op is not an eligible property. 786 FICO 24.56% DTI Borrower has job stability for 5 years Aggregator Aggregator Aggregator Reviewer Comment (2019-03-07): Client elects to waive. Meets FNMA requirements. Reviewer Comment (2019-02-27): 02/27/19. Need Goldman Sachs guidance on this exception. Seller Comment (2019-02-26): Hello, what is needed for this condition? thank you     03/07/2019 2 B 11/16/2018 NJ Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149422 25816040 400304251 10785993 25816040-25454 02/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only 1 appraisal provided in file     Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 02/05/2019 CA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149422 25816040 400304251 10786993 25816040-6411 02/25/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/02/01/2019) Seller CD not provided in file for subject property transaction     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/05/2019 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
206149423 25816041 400307009 10787722 25816041-4275 02/25/2019 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. (Holguin,Trini Holquin Trucking/Schedule C) Missing 2016 signed 1040's with all schedules to prove 2 year history, YTD P&L and Balance Sheet for Safe Harbor designation.     Reviewer Comment (2019-02-26): Loan was originated as Temp QM and documentation in file is sufficient for designation. Issue cleared. Seller Comment (2019-02-25): Please see attached P & L Seller Comment (2019-02-25): Please see page 2 of attached Income Calculation sheet for underwriter comments 02/26/2019     1 A 02/06/2019 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149423 25816041 400307009 10787723 25816041-7457 02/25/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Holguin,Trini Holquin Trucking/Schedule C) Missing 2016 signed 1040's with all schedules to prove 2 year history, YTD P&L and Balance Sheet for Safe Harbor designation.     Reviewer Comment (2019-02-26): Loan was originated as Temp QM and documentation in file is sufficient for designation. Issue cleared. Seller Comment (2019-02-25): Please see attached P & L Seller Comment (2019-02-25): Please see page 2 of attached Income Calculation sheet for underwriter comments 02/26/2019     1 A 02/06/2019 CA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149423 25816041 400307009 10787777 25816041-3867 02/25/2019 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 2016 signed 1040's with all schedules to prove 2 year history, YTD P&L and Balance Sheet for Safe Harbor designation.     Reviewer Comment (2019-02-26): Loan was originated as Temp QM and documentation in file is sufficient for designation. Issue cleared. 02/26/2019     1 A 02/06/2019 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
206149423 25816041 400307009 10787778 25816041-4826 02/25/2019 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 02/06/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/06/2019) Due to LE issued on 12/18/18 reads a lender credit of ($415.00) and final CD does not reflect an amount.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 02/06/2019 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
206149423 25816041 400307009 10787779 25816041-6331 02/25/2019 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 $-415.00. (9300) LE issued on 12/18/18 reads a lender credit of ($415.00) and final CD does not reflect an amount.     Reviewer Comment (2019-02-26): loan re-locked different rate Seller Comment (2019-02-25): Please see attached COC for lender credit 02/26/2019     1 A 02/06/2019 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
206149423 25816041 400307009 10787781 25816041-6542 02/25/2019 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 $1,500.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) $900.00 cure provided to borrower.     Reviewer Comment (2019-02-25): Cure of $900.00 on final CD   02/25/2019   2 B 02/06/2019 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
206149424 25816042 600116109 10795068 25816042-25454 02/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only one appraisal provided     Reviewer Comment (2019-03-04): Secondary product provided supporting origination value 03/04/2019     1 A 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149424 25816042 600116109 10795853 25816042-5404 02/25/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Hamid Adlparvar 1120S (2016), Balance Sheet, K-1 (2016), P&L Statement       Reviewer Comment (2019-03-12): AUS required only most recent year income documentation. Exception cleared. Seller Comment (2019-03-08): Please review the AUS and follow the agency guidelines as this is a High Balance loan not a Jumbo. 03/12/2019     1 A 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149424 25816042 600116109 10796596 25816042-7455 02/25/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Adlparvar,Hamid PCI Construction INC/S-Corp) Missing all YTD and 2016 income as required per appendix Q.     Reviewer Comment (2019-03-13): Loan was approved as an Temporary QM loan. Exception cleared. Reviewer Comment (2019-03-12): Loans were a manual underwrite to the guides provided labeled Jumbo Advantage 12.31.2018 and state Regardless of eligibility, underwriting to the DU Cert is not allowed under this loan program. Exception remains. Seller Comment (2019-03-11): Please advise as this is a high balance loan and none of these conditions apply. Please review and clear. Seller Comment (2019-03-08): Please review the AUS and follow the agency guidelines as this is a High Balance loan not a Jumbo. 03/13/2019     1 A 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149424 25816042 600116109 10796597 25816042-19966 02/25/2019 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 11/01/18 and disclosure was provided on 01/17/19.     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206149424 25816042 600116109 10796999 25816042-19967 02/25/2019 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. Servicing disclosure was not provided     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206149424 25816042 600116109 10797000 25816042-3136 02/25/2019 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. Provided on 11.17.18 application date on 11.01.18     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149424 25816042 600116109 10797001 25816042-4371 02/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/30/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/30/2019) Notary date is 02/02/19     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/31/2019 CA Primary Refinance - Rate/Term 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
206149424 25816042 600116109 10797004 25816042-3907 02/25/2019 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/01/17/2019) Application on 11.1.18, provided on 1.17.19     Reviewer Comment (2019-03-07): Initial LE provided. 03/07/2019     1 A 01/31/2019 CA Primary Refinance - Rate/Term No Defined Cure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149424 25816042 600116109 10797569 25816042-3867 02/25/2019 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 docs     Reviewer Comment (2019-03-13): Loan was approved as an Temporary QM loan. Exception cleared. Reviewer Comment (2019-03-12): Loans were a manual underwrite to the guides provided labeled Jumbo Advantage 12.31.2018 and state Regardless of eligibility, underwriting to the DU Cert is not allowed under this loan program. Exception remains. 03/13/2019     1 A 01/31/2019 CA Primary Refinance - Rate/Term 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
206149424 25816042 600116109 10797570 25816042-4916 02/25/2019 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. Provided on 11.17.18, application date is 11.01.18     Reviewer Comment (2019-03-04): Client elects to waive.     03/04/2019 2 B 01/31/2019 CA Primary Refinance - Rate/Term No Defined Cure C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149424 25816042 600116109 10802517 25816042-4264 02/25/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.34 is less than Guideline PITIA months reserves of 9.00.       Reviewer Comment (2019-03-13): Loan was approved as an Temporary QM loan which the AUS did not require reserves. Exception cleared. 03/13/2019     1 A 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149424 25816042 600116109 10802577 25816042-4275 02/25/2019 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/S-Corp) 2 years tax returns not in file, therefore audit used 1 year average to qualify     Reviewer Comment (2019-03-13): Loan was approved as an Temporary QM loan. Exception cleared. Reviewer Comment (2019-03-12): Loans were a manual underwrite to the guides provided labeled Jumbo Advantage 12.31.2018 and state Regardless of eligibility, underwriting to the DU Cert is not allowed under this loan program. Exception remains. Seller Comment (2019-03-08): Please review the AUS and follow the agency guidelines as this is a High Balance loan not a Jumbo. 03/13/2019     1 A 01/31/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149425 25816043 400304936 10794735 25816043-4264 02/25/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.01 is less than Guideline PITIA months reserves of 6.00.       Reviewer Comment (2019-02-26): Not required by AUS. Seller Comment (2019-02-25): Hello - Please advise why reserves are being requested? Per AUS - No reserves were required. Thank you. 02/26/2019     1 A 02/08/2019 NJ Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206149425 25816043 400304936 10795405 25816043-6542 02/25/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Application Fee. Fee Amount of $1,040.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7306) The fee was not disclosed on the LE. The cure of $1,040.00 provided at closing is sufficient to sure this tolerance violation but not all of the violations on the loan.     Reviewer Comment (2019-02-25): Cure provided at closing 02/25/2019     1 A 02/08/2019 NJ 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
206248346 200001362 9709619853 10937701 200001362-2808 03/05/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-03-13): The lender provided the signed 1008 with UW comments stating this is their approval. 03/13/2019     1 A 12/03/2018 FL Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
206248346 200001362 9709619853 10937787 200001362-25454 03/05/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   2 appraisal required per guides, only one appraisal provided     Reviewer Comment (2019-03-14): Desk review provided with no variance. Exception cleared. 03/14/2019     1 A 12/03/2018 FL Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
206248346 200001362 9709619853 10938986 200001362-24188 03/05/2019 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 $360.00 on Final Closing Disclosure provided on 12/03/2018 not accurate. (Final/12/03/2018) Borrower has Flood insurance all though loan is not in a flood zone     Reviewer Comment (2019-03-15): Letter of Explanation & Corrected Closing Disclosure provided   03/15/2019   2 B 12/03/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B C B C A Safe Harbor QM Safe Harbor QM Yes
206248346 200001362 9709619853 10958764 200001362-2922 03/06/2019 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal not provided   Per guidelines two appraisal are required for purchase with a loan amount greater than $1.5MM. The file is missing a second appraisal. 761 FICO 15 months reserves Self-employed for 26 years Desk review of appraisal came in with 0% variance. Aggregator Aggregator Aggregator Aggregator Reviewer Comment (2019-04-02): Client elects to waive. Buyer Comment (2019-04-02): Waived by twestbrook on Rate Lock: OK to Accept. Ancillary Valuation product ordered. Variance 0%. Value supported.     04/02/2019 2 B 12/03/2018 FL Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
206248346 200001362 9709619853 10958807 200001362-4436 03/06/2019 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/11/13/2018)       Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 12/03/2018 FL Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
206248346 200001362 9709619853 10959254 200001362-5340 03/06/2019 Compliance Compliance Federal Compliance Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. A portion of the property is located within a flood zone per the cert and the flood insurance was not included in the escrows.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 12/03/2018 FL Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
206248347 25979749 9799764528 10941024 25979749-6542 03/05/2019 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 $535.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506) Cure for appraisal fee was provided at closing. However the images are missing either a principal reduction of the $35.00 or a check for $35.00 to the borrower     Reviewer Comment (2019-03-14): confirmed final cd shows $35 for increase in closing cost above the legal limit for appraisal fee Reviewer Comment (2019-03-06): The lender provided a PCCD with letter of explanation regarding the over paid appraisal fee and gave a credit of $35.00 03/14/2019     1 A 09/05/2018 OK 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
206248347 25979749 9799764528 10941029 25979749-4826 03/05/2019 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 09/04/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/04/2018) The lender offered a cure of $35.00 which is sufficient to clear the tolerance failure pending evidence of receipt of check to the borrower.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 09/05/2018 OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206248347 25979749 9799764528 10961196 25979749-17649 03/06/2019 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. (Final/09/04/2018) The buyer closing CD does not reflect the seller paid fees at the time of closing     Reviewer Comment (2019-03-06): The PCCD has corrected the fees paid showing both buyer and seller fees   03/06/2019   1 A 09/05/2018 OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206248348 25979750 9763789329 10945449 25979750-3867 03/06/2019 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 QM points and fees failure.     Reviewer Comment (2019-03-14): Confirmed doc prep of $345 paid to 3rd party 03/14/2019     1 A 07/12/2018 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
206248348 25979750 9763789329 10945450 25979750-25503 03/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 28,587.90 on Final Closing Disclosure provided on 07/11/2018 not accurate. (Final/07/11/2018) Per the taxes of $2423.09 monthly and the HOI of $269.58 monthly the monthly total costs is $2692.67 for a year 1 cost total of $32312.04 however the final CD and the PCCD reported a total year 1 cost of $28,587.90     Reviewer Comment (2019-03-12): Upon further review a PCCD correcting non escrowed property costs over 1 year and LOE was received. Exception Cured.   03/12/2019   2 B 07/12/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206248348 25979750 9763789329 10945451 25979750-4826 03/06/2019 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 07/11/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/11/2018) $0 tolerance cure provided to borrower.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 07/12/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206248348 25979750 9763789329 10945452 25979750-23897 03/06/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 05/22/2018 received on or after the date the Closing Disclosure 5/23/2018 12:00:00 AM was received. (Interim/05/22/2018) The file is missing evidence of receipt of the LE dated 5/22/2018 prior to the CD dated 5/23/2018     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 07/12/2018 NY Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206248348 25979750 9763789329 10945453 25979750-6542 03/06/2019 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 $1,175.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. (7561) A cure of $175.00 is required to cure the violation for the closing fee     Reviewer Comment (2019-03-12): AMC received lender correspondence and updated fees. Exception Cleared. 03/12/2019     1 A 07/12/2018 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
206248348 25979750 9763789329 10945454 25979750-6542 03/06/2019 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 $10,095.60 exceeds tolerance of $9,975.00. Insufficient or no cure was provided to the borrower. (8304) $0 tolerance cure provided to borrower.     Reviewer Comment (2019-03-20): loan amount increase Reviewer Comment (2019-03-12): AMC received lender correspondence. Transfer tax is based on purchase price therefore the loan amount increasing is not a valid reason for the fee to increase. Please provide a corrected CD, LOE, Refund Check, and Proof of Delivery to cure. 03/20/2019     1 A 07/12/2018 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
206248348 25979750 9763789329 10945603 25979750-2683 03/06/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.04096% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $22,467.90 on a Federal Total Loan Amount of $738,842.96 vs. an allowable total of $22,165.28 (an overage of $302.62 or .04096%). Max total points and fees for the loan is $22,165.28; however fees on the final CD total points were $22,467.90 which included doc prep of 345.00, Loan discount $21,956.90, tax service $80.00 and underwriting $86.00.     Reviewer Comment (2019-03-14): Confirmed doc prep of $345 paid to 3rd party 03/14/2019     1 A 07/12/2018 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
206248348 25979750 9763789329 10958491 25979750-7456 03/06/2019 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 05/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Fields,Seth Bergman, Bergman, Fields & Lamonsoff, LLP/Partnership) Extension in file for 2016 tax returns were only good until 9/2017 which is prior to the application date. The file is missing the 2017 business returns.     Buyer Comment (2019-03-25): Tax returns are on extension and extension in file. P/L and Balance Sheet in file for 2017 and YTD.     03/25/2019 2 B 07/12/2018 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206248348 25979750 9763789329 10958492 25979750-3495 03/06/2019 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/06/01/2018) Initial appraisal provided to borrower May 2, 2018, appraisal effective date of 04/27/2018 and then final date of 06/01/2018.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 07/12/2018 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206248348 25979750 9763789329 10958493 25979750-20305 03/06/2019 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 05/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Fields,Seth Bergman, Bergman, Fields & Lamonsoff, LLP/Partnership) Extension in file for 2016 tax returns were only good until 9/2017 which is prior to the application date. The file is missing the 2017 business returns.     Reviewer Comment (2019-03-14): Current returns in file. Exception cleared. 03/14/2019     1 A 07/12/2018 NY Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206248348 25979750 9763789329 11064400 25979750-4863 03/14/2019 Compliance Compliance Federal Compliance TRID Invalid Section A Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 07/11/2018 reflects a Paid To party other than to lender or broker for fee within Origination Charges. (Final/07/11/2018) Final CD has $345 document prep fee in Section A. Confirmed this fee was paid to ta 3rd party. 3rd party fees need to be listed in Section B or Section C accordingly. Please provide Corrected Post Close CD and LOE to borrower.     Buyer Comment (2019-03-25): No A/L and/or outside SOL     03/25/2019 2 B 07/12/2018 NY Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206248349 200001365 9728576894 10937070 200001365-7458 03/05/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (Zaied,Jorge Zarro, LLC/Partnership) 2017 personal returns not available.     Reviewer Comment (2019-03-25): Appendix Q documentation requirement met. Exception cleared. Reviewer Comment (2019-03-13): Provided was only the 1008 with UW comments and an Assessment of borrower ability to repay. No further documentation was presented to clear this exception. Exception remains. 03/25/2019     1 A 09/25/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206248349 200001365 9728576894 10937072 200001365-7458 03/05/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxxx/Partnership) Income not used. Personal returns for 2017 not available.     Reviewer Comment (2019-03-25): Appendix Q documentation requirement met. Exception cleared. Reviewer Comment (2019-03-13): Provided was only the 1008 with UW comments and an Assessment of borrower ability to repay. No further documentation was presented to clear this exception. Exception remains. 03/25/2019     1 A 09/25/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206248349 200001365 9728576894 10937073 200001365-3325 03/05/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 330 N Mairposa Rd. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Missing lease agreement.     Reviewer Comment (2019-04-15): The lease agreement was provided between the borrower and his business Reviewer Comment (2019-03-25): Lease not provided as required per appendix Q. Exception remains. Reviewer Comment (2019-03-13): Provided was only the 1008 with UW comments and an Assessment of borrower ability to repay. No further documentation was presented to clear this exception. Exception remains. 04/15/2019     1 A 09/25/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206248349 200001365 9728576894 10937080 200001365-23897 03/05/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 08/06/2018 received on or after the date the Closing Disclosure 8/9/2018 12:00:00 AM was received. (Interim/08/06/2018) LE issued 8/9 is signed by borrower 8/20.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 09/25/2018 AZ Primary Refinance - Cash-out - Other No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206248349 200001365 9728576894 10937153 200001365-3867 03/05/2019 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. Failure due to ATR failure     Reviewer Comment (2019-04-15): The lease agreement was provided between the borrower and his business Reviewer Comment (2019-03-25): Missing lease agreement as required by Appendix Q. Exception remains. Reviewer Comment (2019-03-13): Provided was only the 1008 with UW comments and an Assessment of borrower ability to repay. No further documentation was presented to clear this exception. Exception remains. 04/15/2019     1 A 09/25/2018 AZ 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
206248349 200001365 9728576894 10937743 200001365-4850 03/05/2019 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 09/25/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/25/2018) Cure provided on 12/13/18.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 09/25/2018 AZ 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
206248349 200001365 9728576894 10953200 200001365-6542 03/06/2019 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 $8,330.63 exceeds tolerance of $196.88. Insufficient or no cure was provided to the borrower. (7200) A check for $8119.63 was provided to the borrower for the cure of the loan discount points charged of $8330.63 however the actual cure should have been $8133.75. The CD dated 8/9/2018 with a PCCD reducing the loan amount disclosed loan discount cost of $196.88 and the final CD disclosed loan discounts of $8330.63 for a variance of $8133.75     Reviewer Comment (2019-04-26): AMC received copy of check, updated PCCD, and LOE. Reviewer Comment (2019-03-20): AMC received lender correspondence. Please reference the 08/09/2018 COC as it re discloses the discount point fee as $197 due to loan amount change and change in appraisal value. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure.   04/26/2019   2 B 09/25/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206248349 200001365 9728576894 10955618 200001365-20785 03/06/2019 Compliance Compliance Federal Compliance TRID Disbursement Date Closing Information section of CD dated 12/13/2018 reflects inaccurate Disbursement Date. PCCD dated 12/13/2018 reflects a disbursement date of 12/4/2018 and closing date of 11/29/2018 however the Deed and final Closing disclosure list a date of 9/25/2018 and disbursement of 9/29/2018     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 09/25/2018 AZ Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206248349 200001365 9728576894 10959730 200001365-2808 03/06/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-03-13): The lender has provided the 1008 signed by the UW with UW comments as the approval. 03/13/2019     1 A 09/25/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206248349 200001365 9728576894 10960661 200001365-18352 03/06/2019 Credit Credit Miscellaneous Income verified is less than qualifying income.   Currently the income used to qualify by the lender was from xxxx however the file is missing any income documentation from Arsenal to the borrower. All business documents provided from xxxx and xxx are owned at 50% each by xxxxand 50% by another entity. There is no indication the percentage of ownership the borrower has in xxxl or what other expenses have diminished any income reported. No income can be used to qualify this borrower without further documentation.     Reviewer Comment (2019-04-15): The images contain a CPA letter discussing the flow of the disregarded entity which also shows flowing to the 1040 for income being used. Reviewer Comment (2019-04-04): This cannot be cleared based on an UW comments. There is no CPA letter stating the income flow, no returns from the primary business owning the other and no evidence the percentage the borrower owns of the entity owning the others. Appendix Q section 1026 indicates that income must be verified with business returns. If unable to verify income source the transaction cannot be verified as a SHQM. Reviewer Comment (2019-03-13): Provided was only the 1008 with UW comments and an Assessment of borrower ability to repay. No further documentation was presented to clear this exception. Exception remains. 04/15/2019     1 A 09/25/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206248349 200001365 9728576894 11442319 200001365-3831 04/09/2019 Credit Credit Miscellaneous Credit Exception:   Pending Internal Goldman Sachs Final Collateral Package Review     Reviewer Comment (2019-04-15): Collateral package received. 04/15/2019     1 A 09/25/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206248350 25979748 9770313576 10947036 25979748-5445 03/06/2019 Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. No evidence of FACTA disclosure found in file     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 10/12/2018 TX Primary Refinance - Rate/Term   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206248350 25979748 9770313576 10947038 25979748-7115 03/06/2019 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 escrow account disclosure shows Initial deposit amount as $4874.83, but total amount escrow on closing disclosure shows total amount as $3934.83 which appears to be the HOA was included in the escrows.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 10/12/2018 TX Primary Refinance - Rate/Term   C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206248350 25979748 9770313576 10947311 25979748-4394 03/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 10/05/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/10/05/2018) Value listed on 10-5-18 closing disclosure shows $779,194, but appraised value amount is $892,000 (refinance)     Reviewer Comment (2019-03-07): A PCCD dated 10/24/2018 corrected the estimated value to match the appraisal.   03/07/2019   1 A 10/12/2018 TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206248350 25979748 9770313576 10947315 25979748-7038 03/06/2019 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/10/05/2018) Initial closing disclosure date is 10-5-18 which is less than 6 days prior to closing which should be 10-4-18 to meet 6 days requirement     Reviewer Comment (2019-03-15): AMC received evidence of earlier initial CD signed by Borrower on 10/5/18. 03/15/2019     1 A 10/12/2018 TX Primary Refinance - Rate/Term No Defined Cure C B A B C B A A Safe Harbor QM Safe Harbor QM No
206248350 25979748 9770313576 10947425 25979748-4863 03/06/2019 Compliance Compliance Federal Compliance TRID Invalid Section A Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 10/05/2018 reflects a Paid To party other than to lender or broker for fee within Origination Charges. (Final/10/05/2018) Closing disclosure dated 10-5-18 shows fees paid in Section A (incorrect Section) to xxxx for document preparation fee & to Veri-tax for Verification of tax return fee, and parties are not lender or broker. Post closing disclosure removed payee names however the fees still exist but no evidence paid to the lender     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 10/12/2018 TX Primary Refinance - Rate/Term Good Faith Redisclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206248350 25979748 9770313576 10955045 25979748-1155 03/06/2019 Compliance Compliance Federal Compliance Notice of Special Flood Hazard Disclosure Missing FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. A page of disclosure is provided but there is no date or signature.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 10/12/2018 TX Primary Refinance - Rate/Term   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206248350 25979748 9770313576 10974169 25979748-4436 03/07/2019 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/09/17/2018)       Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 10/12/2018 TX Primary Refinance - Rate/Term   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206248350 25979748 9770313576 11320288 25979748-4256 03/28/2019 Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 689 is less than Guideline representative FICO score of 740.   51.52 months reserves 61% LTV 38% DTI Aggregator Aggregator Aggregator Reviewer Comment (2019-03-28): Client elects to waive     03/28/2019 2 B 10/12/2018 TX Primary Refinance - Rate/Term   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293975 25988346 451811044946 11020124 25988346-5573 03/12/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 42.34837% exceeds Guideline housing ratio of 35.00000%. Loan was approved with a housing ratio of 42.351% 788 FICO 61.66% LTV 18 months reserves Aggregator Aggregator Aggregator Reviewer Comment (2019-03-20): Client elects to waive. Reviewer Comment (2019-03-18): Lender guidelines state a front end DTI of 35%. An exception was made to exceed this to 42.35% based on comp factors of 788 FICO score, 62 LTV, 13.7 months reserves, $5954 residual income. Client to review     03/20/2019 2 B 12/08/2018 TX Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
206293977 25820996 991811117971 11006899 25820996-7457 03/11/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Jackson,Jay Consulting/Schedule C) Missing Balance Sheet. All other income documents were provided.     Reviewer Comment (2019-03-26): Received balance sheet. Reviewer Comment (2019-03-21): Received balance sheet 03/26/2019     1 A 01/10/2019 FL Primary Purchase   C B C B C A A A Safe Harbor QM Safe Harbor QM No
206293977 25820996 991811117971 11006900 25820996-3867 03/11/2019 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. Missing Balance Sheet. All other income documents were provided.     Reviewer Comment (2019-03-22): Received balance sheet Reviewer Comment (2019-03-21): Received balance sheet 03/22/2019     1 A 01/10/2019 FL Primary Purchase Lender to provide updated ATR/QM status C B C B C A A A Safe Harbor QM Safe Harbor QM Yes
206293977 25820996 991811117971 11021482 25820996-5573 03/12/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 36.99446% exceeds Guideline housing ratio of 35.00000%. Credit exception granted: Front end DTI 36.99% and max per guidelines 35%, Compensating factors 1) Credit History; Borrower has had 0 x 30 x 12 or 1 x 30 x 24 2) Reserves: 30.98 months reserves > 12 months guideline minimum - borrowers have verified reserves of $$229,152.90 and 3) Residual: Borrower has 30.98 months and guidelines require 12 months. 30.98 months reserves > 12 months guideline minimum - borrowers have verified reserves of $$229,152.90 $229k reserves 780 FICO AMC Aggregator Aggregator Reviewer Comment (2019-03-26): Client elects to waive. Buyer Comment (2019-03-22): Client to review credit exception to lender guidelines. Buyer to review. Exceptions remains. Buyer Comment (2019-03-22): Client to review credit exception to lender guidelines.     03/26/2019 2 B 01/10/2019 FL Primary Purchase   C B C B C A A A Safe Harbor QM Safe Harbor QM No
206293978 25988348 291811045200 11020951 25988348-5573 03/12/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 35.65449% exceeds Guideline housing ratio of 35.00000%. Loan was approved with a housing ratio of 35.654% 17 months reserves more than $11k in residual income 786 > minimum 720 required 61.66% LTV Aggregator Originator Aggregator Aggregator Reviewer Comment (2019-03-20): Client elects to waive. Reviewer Comment (2019-03-14): Housing ratio 35.654% exceeds guideline maximum 35$. Lender exception provided with the following compensating factors: 1) more than $100K in reserves, 2) residual income > $11K, 3) FICO 786 > 720 minimum. Client to review credit exception to lender guidelines. Exception remains.     03/20/2019 2 B 12/31/2018 FL Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
206293982 25820994 991812118315 11010760 25820994-6411 03/11/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/28/2018) Seller Closing Disclosure not located in the file.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 12/28/2018 MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206293982 25820994 991812118315 11010762 25820994-6583 03/11/2019 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 Re-Inspection Fee. Fee Amount of $160.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $160.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing for $10.00.         03/11/2019   1 A 12/28/2018 MD Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206293982 25820994 991812118315 11027503 25820994-6572 03/12/2019 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/11/15/2018) Proof of appraisal receipt not found in file.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 12/28/2018 MD Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206293984 25988351 701809043651 11023671 25988351-6240 03/12/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of $476,000.00 is less than Guideline minimum loan amount of $484,351.00.   19 months reserves Residual income $7658.08 726 FICO Aggregator Originator Aggregator Reviewer Comment (2019-03-20): Client elects to waive. Reviewer Comment (2019-03-14): Client to review credit exception to lender guidelines. Exception remains.     03/20/2019 2 B 12/12/2018 LA Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
206293991 25988356 541812045754 11010035 25988356-2808 03/11/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Evidence of approval is missing from the file.     Reviewer Comment (2019-03-14): Approval 12/18/18 provided in the trailing docs. Condition has been cleared. 03/14/2019     1 A 01/03/2019 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206293991 25988356 541812045754 11011191 25988356-5180 03/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/03/2019 did not disclose number of months for Property Tax under Prepaids. (Final/01/03/2019) Number of months for prepaid property taxes was not provided; only that it is the second installment.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 01/03/2019 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206293991 25988356 541812045754 11025579 25988356-24848 03/12/2019 Property Appraisal Reconciliation Value Discrepancy Loan is missing secondary valuation product required for securitization.         Reviewer Comment (2019-03-26): secondary product was provided 03/26/2019     1 A 01/03/2019 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206293993 25820853 291811044647 11012812 25820853-25454 03/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Missing secondary valuation.     Reviewer Comment (2019-03-26): Secondary product was provided 03/26/2019     1 A 01/23/2019 FL Primary Purchase   C A A A A A C A Safe Harbor QM Safe Harbor QM No
206293994 25820995 991811117572 11006608 25820995-4087 03/11/2019 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 in file is not signed by the borrower.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 12/06/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293994 25820995 991811117572 11006667 25820995-3867 03/11/2019 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. Missing current signed leases for REO: 363 W Arenas Rd Palm Springs, Ca and 981 Buchon St San Luis Obispo, CA     Reviewer Comment (2019-03-22): Invalid rental income not used. Seller Comment (2019-03-20): Invalid Condition, Rental income not used in income calculation 03/22/2019     1 A 12/06/2018 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
206293994 25820995 991811117572 11006671 25820995-6411 03/11/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/05/2018) Seller CD was not provided. Obtained fees from the consumer's final CD.     Reviewer Comment (2019-03-13): Client elects to waive.     03/13/2019 2 B 12/06/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206293994 25820995 991811117572 11006744 25820995-6677 03/11/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Jeffrey/Lemay/2471031) Co-borrower's employment history was < 2 years (1.99 years). Need to confirm dates on employment from Allergan.     Reviewer Comment (2019-03-25): prior employment evidenced through LOE and 2016 W-2 Reviewer Comment (2019-03-25): Co-borrower employment began on 12/12/2016 and loan consummation was on 12/06/2016. Employment is for only 1.99 years and is short to have a full 24 months. Exception remains. Seller Comment (2019-03-20): Invalid Condition 12/12/2016-11/16/2018 is 24 months. 12/2018 is the 25th month. 03/25/2019     1 A 12/06/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293994 25820995 991811117572 11020559 25820995-3325 03/12/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 981 Buchon St. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Missing current signed leases for REO: 363 W Arenas Rd Palm Springs, Ca and 981 Buchon St San Luis Obispo, CA     Reviewer Comment (2019-03-22): Invalid condition, Rental income not used in calculation Rental income was not used in qualification. Issue cleared Reviewer Comment (2019-03-22): TR Reviewer Comment (2019-03-21): Rental income was not used in qualification. Issue cleared. Seller Comment (2019-03-20): Invalid condition, Rental income not used in calculation 03/22/2019     1 A 12/06/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293994 25820995 991811117572 11024582 25820995-3345 03/12/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - REO Schedule E Method Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method) using reasonably reliable third-party records. (Non-Subject Investment/Schedule E) Missing signed 1040's for Paul Sanford     Reviewer Comment (2019-03-22): Invalid condition, Rental income not used in calculation Rental income was not used in qualification. Issue cleared Reviewer Comment (2019-03-22): TR Reviewer Comment (2019-03-21): Rental income was not used in qualification. Issue cleared. Seller Comment (2019-03-20): Invalid condition, Rental income not used in calculation 03/22/2019     1 A 12/06/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293994 25820995 991811117572 11024584 25820995-4204 03/12/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing signed 1040's for Paul Sanford for 2016 & 2017 and current leases for both rentals.     Reviewer Comment (2019-03-22): Rental income was not used in qualification. Issue cleared Reviewer Comment (2019-03-22): Tr Reviewer Comment (2019-03-21): Rental income was not used in qualification. Issue cleared. 03/22/2019     1 A 12/06/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293994 25820995 991811117572 11258347 25820995-3214 03/22/2019 Credit Income / Employment Income Documentation Employment Error: Employment start date not provided. Borrower: Jeffrey J Lemay // Employment Type: Employment / Income Type: Wages / Start Date: Not able to confirm employment dates for prior employer. Lender requested an LOE, which we have in file on employment and income overlay.     Buyer Comment (2019-03-25): ok to accept, previous W2 in file supporting 2 year history     03/25/2019 2 B 12/06/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293994 25820995 991811117572 11283306 25820995-24137 03/25/2019 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. (Jeffrey/Lemay/2471031) W-2 records identify prior employment, but do not reflect the specific start and end dates     Buyer Comment (2019-03-25): ok to accept, previous W2 in file supporting 2 year history     03/25/2019 2 B 12/06/2018 CA Primary Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206293996 25988359 911901046554 11028618 25988359-25454 03/12/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-03-26): secondary product provided 03/26/2019     1 A 02/15/2019 GA Primary Purchase   C A A A A A C A Safe Harbor QM Safe Harbor QM No
206294000 25820850 701811045406 10997615 25820850-24188 03/08/2019 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 $64.13 on Final Closing Disclosure provided on 01/30/2019 not accurate. (Final/01/30/2019) The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $64.13 on page 4; however taxes and insurance are escrowed.1008 in file reflects an HOA of $5.83 monthly, however there is no evidence of HOA in file.     Reviewer Comment (2019-03-12): AMC received PCCD correcting non escrowed property costs and LOE. Exception Cured.   03/12/2019   2 B 01/31/2019 LA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206311454 200001369 9737457201 11453865 200001369-4613 04/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/21/2019 did not disclose number of months for homeowner's insurance under Prepaids. (Final/03/21/2019) Number of months was provided as 0 with a full annual premium collected.     Reviewer Comment (2019-04-12): Client elects to waive     04/12/2019 2 B 03/21/2019 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
206311454 200001369 9737457201 11458671 200001369-3831 04/10/2019 Credit Credit Miscellaneous Credit Exception:   Pending Internal xxxx Collatera Package Review.     Reviewer Comment (2019-04-15): Collateral package received. 04/15/2019     1 A 03/21/2019 CA Primary Refinance - Rate/Term   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206311454 200001369 9737457201 11460700 200001369-2808 04/10/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   A lender approval with conditions was not provided. The 1008 provided is signed with comments only.     Reviewer Comment (2019-04-17): The 1008 provided is very detailed to the approval and signed by the UW 04/17/2019     1 A 03/21/2019 CA Primary Refinance - Rate/Term   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206311454 200001369 9737457201 11460970 200001369-25279 04/10/2019 Credit Credit Credit Documentation Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification. Credit Report: Original // Liability Type: 30 day (E.g. AmEx) / Current Balance: $54,501.00 / Line Limit: $77,997.00 This is listed as an authorized account per the credit report.     Buyer Comment (2019-04-15): OK to accept. xxx is an open account. Borrower has sufficient reserves ($16.2mm) to cover payment. Mitigating factors:Reserves, FICO, DTI     04/15/2019 2 B 03/21/2019 CA Primary Refinance - Rate/Term   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206315051 26004757 103221561 11063045 26004757-25454 03/14/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Missing secondary valuation.     Reviewer Comment (2019-04-03): Secondary product provided. 04/03/2019     1 A 02/13/2019 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315051 26004757 103221561 11063679 26004757-6411 03/14/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/02/12/2019) Seller CD not in file     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/13/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315051 26004757 103221561 11086087 26004757-4826 03/15/2019 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 02/12/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/12/2019) Cure for Pest Inspection Fee of $3,870.00 was not provided.     Reviewer Comment (2019-04-01): AMC received required documents, exception is cleared. 04/01/2019     1 A 02/13/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315051 26004757 103221561 11086088 26004757-6542 03/15/2019 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 $3,870.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75155) Pest Inspection Fee disclosed as $0 on LE dated 01/14/19, but disclosed as $3,870.00 on Final Closing Disclosure and PCCD.     Reviewer Comment (2019-04-01): AMC received required documents, exception is cleared. Reviewer Comment (2019-03-29): AMC received 02/05 COC disclosing the Pest Inspection Fee however a valid change of circumstance is not identified to add the fee. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. 04/01/2019     1 A 02/13/2019 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
206315051 26004757 103221561 11086385 26004757-25158 03/15/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. File is missing the Rate Lock Agreement. The lock agreement dated 01/08/19 indicates rate is floating. The LE dated 01/14/19 indicates rate is locked. All other loan approvals and documents in file indicate loan was locked on 01/22/19 which was post closing.     Reviewer Comment (2019-04-03): Client elects waive.     04/03/2019 2 B 02/13/2019 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315052 26004758 400276708 11218659 26004758-4371 03/20/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/28/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/28/2019) Notary date is 02/10/19     Buyer Comment (2019-04-04): No A/L and/or outside SOL     04/04/2019 2 B 02/08/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206315052 26004758 400276708 11218663 26004758-25503 03/20/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 21,312.96 on Final Closing Disclosure provided on 01/28/2019 not accurate. (Final/01/28/2019) Calculated costs total $22,046.52.     Reviewer Comment (2019-04-08): Letter of Explanation & Corrected Closing Disclosure provided. Exception cured. Seller Comment (2019-04-08): Updated CD Reviewer Comment (2019-03-22): Estimated Property Costs include $57.08 for haz ins $1528.13 for taxes and $252 for HOA dues for a total of $1837.21/mo. The variance is coming from the tax rate used in testing for CA properties is 1.25%. It appears the rate used by Lender is below the standard rate for purchase transactions in CA. Please provide justification for the lower tax rate used or provide a Corrected CD and LOE to cure. Seller Comment (2019-03-22): can you please send your breakdown of the taxes, HOA & HOI?   04/08/2019   2 B 02/08/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206315052 26004758 400276708 11240271 26004758-5404 03/21/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Ryan Wagstaff VVOE - Employment Only       Reviewer Comment (2019-03-25): A final VVOE was provided at closing Reviewer Comment (2019-03-22): VVOE was performed post-closing which violates requirements of Appendix Q. Exceptions remains. 03/25/2019     1 A 02/08/2019 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315052 26004758 400276708 11431883 26004758-24220 04/08/2019 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 $2,222,132.07 disclosed on the Final Closing Disclosure dated 01/28/2019 is inaccurate by more than $100 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of $2,226,590.55 provided on 04/08/2019, a difference of $4305.75000. (The difference excludes any increase in prepaid interest). (Post-Close/04/08/2019) PCCD dated 04/08/2019 reflects $2,226,590.55 Total of Payments. Final CD dated 01/28/2019 reflects Total of Payments of $2,222,132.07, a difference of $4305.75. Discount points increased. Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and corrected CD for cure.     Reviewer Comment (2019-04-10): The lender provided the PCCD, letter to borrower, copy of check and mailing/shipping confirmation Seller Comment (2019-04-09): Refund check   04/10/2019   2 B 02/08/2019 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
206315055 26004761 400313237 11072272 26004761-6411 03/14/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/02/12/2019) Seller CD not found in file.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206315056 26004762 400318551 11069270 26004762-6411 03/14/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/02/27/2019) File missing Seller CD     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/28/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206315056 26004762 400318551 11090124 26004762-3495 03/15/2019 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/02/27/2019) Appraisal delivered 2/25, report date 2/27.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/28/2019 TX Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206315057 26004763 400315174 11077107 26004763-21910 03/15/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS Disaster Declaration Date: 01/02/2018       Reviewer Comment (2019-03-21): Appraisal performed after disaster date and reflects no damage to subject property Seller Comment (2019-03-18): Hello, please review the appraisal. It was done well after the disaster declaration and the appraiser made a comment that there was no noticeable damage tot he property due to recent weather related disasters, floods, and fires. 03/21/2019     1 A 02/26/2019 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206315057 26004763 400315174 11077305 26004763-4613 03/15/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/26/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/02/26/2019) The premium is $1,817.60 per declaration page and final CD collected $1,847.50 for annual premium.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/26/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206315059 26004765 400303007 11099520 26004765-2842 03/18/2019 Credit Loan Package Documentation Loan File Missing Document: Hazard Insurance Policy not provided         Reviewer Comment (2019-03-21): Received hazard insurance policy 03/21/2019     1 A 02/12/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315059 26004765 400303007 11101545 26004765-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   n/a     Reviewer Comment (2019-04-05): secondary product provided 04/05/2019     1 A 02/12/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315059 26004765 400303007 11101853 26004765-2808 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-03-21): Received final loan approval 03/21/2019     1 A 02/12/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315059 26004765 400303007 11103407 26004765-4371 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/12/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/12/2019) Security Instrument notarized on 02/13/19.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315059 26004765 400303007 11103409 26004765-18604 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 02/12/2019 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/02/12/2019) Seller paid fees if any were not disclosed     Reviewer Comment (2019-03-21): Seller CD provided 03/21/2019     1 A 02/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315059 26004765 400303007 11103410 26004765-4826 03/18/2019 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 02/12/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/12/2019) Cure not provided at closing     Reviewer Comment (2019-03-21): Change of circumstance - rate lock extension 03/21/2019     1 A 02/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315059 26004765 400303007 11103411 26004765-6542 03/18/2019 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 $3,920.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Cure not provided at closing     Reviewer Comment (2019-03-21): Change of circumstance - rate lock extension 03/21/2019     1 A 02/12/2019 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
206315059 26004765 400303007 11143623 26004765-6623 03/19/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 02/12/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/12/2019) Contact information for lender was not provided.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315059 26004765 400303007 11144406 26004765-5404 03/19/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx VVOE - Employment Only VVOE dated within 10 days of closing not found in file.     Reviewer Comment (2019-03-22): Exception cleared received vvoe dated 02/15/19. Reviewer Comment (2019-03-21): Need VVOE for CB and not borrower 03/22/2019     1 A 02/12/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11101832 26004766-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only one appraisal was provided.     Reviewer Comment (2019-04-05): secondary product provided 04/05/2019     1 A 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11102412 26004766-1330 03/18/2019 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 disclosure.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11102486 26004766-19966 03/18/2019 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 06/06/18 and Initial LE was issued on 01/24/19.     Reviewer Comment (2019-03-21): AMC received 06/06/2018 LE. Exception Cleared. 03/21/2019     1 A 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11102489 26004766-19967 03/18/2019 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. Servicing disclosure not found.     Reviewer Comment (2019-03-21): AMC received 06/06/2018 LE. Exception Cleared. 03/21/2019     1 A 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11102683 26004766-4371 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/21/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/21/2019) Issue date of 2/21/19, closing date of 2/19/19 and disbursed on 2/27/19; consummation date of 02/26/2019.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11102684 26004766-4376 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/21/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/02/21/2019) Final Closing Disclosure provided on 02/21/19 disclosed a finance charge of $723,224.71, calculated finance charge are $723,424.71, resulting in a variance of -$200.00. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver.     Reviewer Comment (2019-04-10): The lender provided a PCCD, letter to borrower, check and delivery label. Confirmed delivery as of 4/10/2019 Reviewer Comment (2019-04-09): Copy of check received. Missing proof of delivery. Exception remains. Reviewer Comment (2019-04-08): Corrected CD, LOE and airbill provided reflecting delivery for 4/9/19. Missing copy of refund check and confirmation of delivery. Exception remains. Reviewer Comment (2019-03-21): AMC received LE and SSPL. The Signing Fee was not included in finance charge. Please provide corrected CD, LOE, Refund Check, Re Open Rescission, and Proof of Delivery to cure.   04/10/2019   2 B 02/19/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11102686 26004766-4826 03/18/2019 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 02/21/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/21/2019) Cash to Close table did not indicate the dollar figure for exceeded legal limit amount; no cure was provided.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11102687 26004766-3879 03/18/2019 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. Home Loan Toolkit not found in documents.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 CA Primary Purchase No Defined Cure C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11102688 26004766-3907 03/18/2019 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/01/24/2019) Application date was 6/6/18. There were no loan estimates provided that are within 3 business days. LE in file is dated 01/24/19.     Reviewer Comment (2019-03-21): AMC received 06/06/2018 LE. Exception Cleared. 03/21/2019     1 A 02/19/2019 CA Primary Purchase No Defined Cure C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11102689 26004766-6340 03/18/2019 Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Not provided.     Reviewer Comment (2019-03-21): AMC received SSPL. Exception Cleared. 03/21/2019     1 A 02/19/2019 CA Primary Purchase No Defined Cure C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11102690 26004766-6542 03/18/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7564) Title - Endorsement Fee was not initially disclosed, change of circumstance not provided to support increase in fee(s), no cure given to Consumer(s).     Reviewer Comment (2019-03-21): Fee was paid to same provider. Exception Cleared. 03/21/2019     1 A 02/19/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11106187 26004766-2808 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   1008 was not signed and dated by Lender's Underwriter.     Reviewer Comment (2019-03-21): Received final loan approval Seller Comment (2019-03-20): 1008 is not required to be signed by Underwriter. Please waive 03/21/2019     1 A 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11106978 26004766-22163 03/18/2019 Credit Guideline Guideline Issue The borrower is self-employed. Guidelines require verification of the borrower's business within 30 days of the note date.   Document provided by accountant, however does not address business is operational as of the dated letter. Self-employed since 2008. 763 FICO $374k in reserves Aggregator Aggregator Aggregator Reviewer Comment (2019-04-04): Client elects to waive. Seller Comment (2019-04-04): VOE     04/04/2019 2 B 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11108738 26004766-5445 03/18/2019 Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.       Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11108822 26004766-23083 03/18/2019 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. (Tracy/Nguyen/2497836) Existence of borrower�s business within 30 calendar days prior to the Note date was not provided at the time of review.     Reviewer Comment (2019-04-04): Client elects to waive.     04/04/2019 2 B 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11108823 26004766-6297 03/18/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $7,399.15 and disclosure timing violations. Supporting documentation was not provided to verify initial consent date for delivery of electronic documents prior to issuance of initial Loan Estimate.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 CA Primary Purchase No Defined Cure C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11108825 26004766-6543 03/18/2019 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 $5,465.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Supporting documentation was not provided to verify initial consent date for delivery of electronic documents prior to issuance of initial Loan Estimate.     Reviewer Comment (2019-03-21): AMC received 06/06/2018 LE. Exception Cleared. 03/21/2019     1 A 02/19/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11108826 26004766-6542 03/18/2019 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 $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Supporting documentation was not provided to verify initial consent date for delivery of electronic documents prior to issuance of initial Loan Estimate.     Reviewer Comment (2019-03-21): AMC received 06/06/2018 LE. Exception Cleared. 03/21/2019     1 A 02/19/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11108827 26004766-6542 03/18/2019 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 $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Supporting documentation was not provided to verify initial consent date for delivery of electronic documents prior to issuance of initial Loan Estimate.     Reviewer Comment (2019-03-21): AMC received 06/06/2018 LE. Exception Cleared. 03/21/2019     1 A 02/19/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11108828 26004766-6542 03/18/2019 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 $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7552) Supporting documentation was not provided to verify initial consent date for delivery of electronic documents prior to issuance of initial Loan Estimate.     Reviewer Comment (2019-03-21): AMC received 06/06/2018 LE. Exception Cleared. 03/21/2019     1 A 02/19/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11108829 26004766-6542 03/18/2019 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 $1,129.15 exceeds tolerance of $1,065.00. Insufficient or no cure was provided to the borrower. (8304) Supporting documentation was not provided to verify initial consent date for delivery of electronic documents prior to issuance of initial Loan Estimate.     Reviewer Comment (2019-04-08): Valid COC in file for increase in loan amount which in turn increased transfer tax. Exception cleared. 04/08/2019     1 A 02/19/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315060 26004766 400272054 11146402 26004766-3126 03/19/2019 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. Missing LO Compensation disclosure.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM No
206315060 26004766 400272054 11459036 26004766-6545 04/10/2019 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 $1,129.15 exceeds tolerance of $1,065.00. Sufficient or excess cure was provided to the borrower. (8304) Cure was provided by lender     Reviewer Comment (2019-04-10): Cure provided to borrower with PCCD, letter to borrower and evidence of delivery   04/10/2019   2 B 02/19/2019 CA Primary Purchase   C B C B C B C A Safe Harbor QM Safe Harbor QM Yes
206315062 26004767 103216324 11111093 26004767-4850 03/18/2019 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 02/11/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/11/2019) No cure provided for tolerance violation.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/11/2019 OR 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
206315062 26004767 103216324 11111094 26004767-6331 03/18/2019 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,758.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-5,333.00. (9300) Lender credit decreased from $5,333 to $4,758. No cure provided.     Reviewer Comment (2019-04-05): Valid COC in file as loan amount increased which caused LTV to increase and reduce lender credit. Exception cleared. Seller Comment (2019-04-04): Please see attached updated COC. The rebate changed on the CD dated 01/24, because bwr increased loan amount, which caused the LTV to go from 74% to 80%, lowering the rebate on a C/O refi. Reviewer Comment (2019-04-03): AMC received COC dated 1/22/19 which indicate the Lender Credit Decreased to $-7,754.44, however that would be an increase from the previous amount of $5,332.69 on 1/8/19. The interest rate remained the same at 4.875%. Due to this increase, the Lender Credit is now baselined at the higher amount. Then on the 1/24/19 COC the Lender Credit decreased to -$4,758.00, causing a new difference of $2,996.44. A Corrected CD, Copy of refund check, letter of explanation, and proof of delivery is required to cure. Seller Comment (2019-04-02): COC 1/22/19 and 1/24/19. 04/05/2019     1 A 02/11/2019 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 C B C A Safe Harbor QM Safe Harbor QM Yes
206315062 26004767 103216324 11111262 26004767-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-10): Desk review provided with no variance. Exception cleared. 04/10/2019     1 A 02/11/2019 OR Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315063 26004768 600116970 11079177 26004768-25454 03/15/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary product provided. 04/05/2019     1 A 02/13/2019 CA Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206315063 26004768 600116970 11080347 26004768-6572 03/15/2019 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/02/08/2019) Receipt or delivery of appraisal is not documented.     Buyer Comment (2019-04-04): ok to acccept     04/04/2019 2 B 02/13/2019 CA Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206315064 26004769 400307744 11084665 26004769-4436 03/15/2019 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/01/27/2019) Document Not Provided     Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 02/15/2019 IL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206315064 26004769 400307744 11084666 26004769-3126 03/15/2019 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. Document Not Provided     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/15/2019 IL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206315064 26004769 400307744 11084669 26004769-25506 03/15/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 10,361.04 on Final Closing Disclosure provided on 02/14/2019 not accurate. (Final/02/14/2019) Estimated costs over 1 year on CD of $10,361.04 appears to be based on $75.67 insurance, $787.75 taxes, however, per file documentation taxes are $1,141.67 the hazard is the same of $75.67 = $1,217.34 x 12 = $14,609.16. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-03-29): AMC received lender's tax calculation. Exception Cleared. 03/29/2019     1 A 02/15/2019 IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206315064 26004769 400307744 11084670 26004769-4673 03/15/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/14/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/736088) Payment stream 1 appears to be based on monthly taxes of $787.57 and hazard $75.67 = $863.42, however per document we have in file monthly taxes are $1,141.67 and the hazard is the same of $75.67 =$1,217.34     Reviewer Comment (2019-03-29): AMC received lender's tax calculation. Exception Cleared. 03/29/2019     1 A 02/15/2019 IL 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
206315064 26004769 400307744 11084673 26004769-4612 03/15/2019 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 02/14/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/736088) It appears to be based on monthly taxes of $787.57 and hazard $75.67 = $863.42, however per document we have in file monthly taxes are $1,141.67 and the hazard is the same of $75.67 = $1,217.34     Reviewer Comment (2019-03-29): AMC received lender's tax calculation. Exception Cleared. Seller Comment (2019-03-28): New construction. Taxes were estimated based on the attached. 03/29/2019     1 A 02/15/2019 IL 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
206315064 26004769 400307744 11084677 26004769-4826 03/15/2019 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 02/14/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/14/2019) No cure to borrower     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/15/2019 IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206315065 26004770 600116507 11085057 26004770-25454 03/15/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary product provided 04/05/2019     1 A 02/27/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315065 26004770 600116507 11085379 26004770-3136 03/15/2019 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. Originator's Application Date, per earliest 1003, is 01/07/2019. List of Homeowner Counseling Organizations was provided to borrower on 01/22/2019.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/27/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315065 26004770 600116507 11085382 26004770-4916 03/15/2019 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. Originator's Application Date, per earliest 1003, is 01/07/2019. Settlement Service Providers List was provided to borrower on 01/22/2019.     Reviewer Comment (2019-03-29): 01/07/2019 SSPL in file 03/29/2019     1 A 02/27/2019 CO Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315065 26004770 600116507 11085383 26004770-6543 03/15/2019 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 $3,209.00 exceeds tolerance of $1,416.00 plus 10% or $1,557.60. Insufficient or no cure was provided to the borrower. (0) Violation due to increase in Title - Lender's Title Insurance LE reads $675.00 and final CD $2,273.00, Title-Settlement /Closing LE reads $570.00 and CD read $740.00 and Title Closing Protection LE reads $0.00 and final CD is $25.00.     Reviewer Comment (2019-03-29): Letter of Explanation and Corrected CD provided. Cure not required SSPL provided to borrower on 1/22/2019 lists xxxx, borrower used Chicago Title. Borrower shopped for fees. Post Close CD moves fees from Section B to Section C. No tolerance requirement. Recording fee was disclosed at $171 and borrower paid $171 Seller Comment (2019-03-28): Please review the 3/25/19 CD, provide the breakdown of the each fee that are out of tolerance, and the total amount needed to cure for this loan. Reviewer Comment (2019-03-26): AMC received PCCD showing no cure on pages 1, 2 or 3 and no copy of a refund check or proof of delivery was included in the upload. Unable to address eh exception at this time. Seller Comment (2019-03-25): Please see attachment. Reviewer Comment (2019-03-22): AMC received LEs, SSPL, AMC correspondence. The total cure due is $1481.40 as the purchase agreement indicates seller is to pay one half of settlement therefore the seller $170 may be excluded. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-03-21): This is a broker loan. Please see attachment   03/29/2019   2 B 02/27/2019 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 Safe Harbor QM Safe Harbor QM Yes
206315065 26004770 600116507 11085500 26004770-4826 03/15/2019 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 02/26/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/26/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. Violation due to increase in Title - Lender's Title Insurance LE reads $675.00 and final CD $2,273.00, Title-Settlement /Closing LE reads $570.00 and CD read $740.00 and Title Closing Protection LE reads $0.00 and final CD is $25.00.     Reviewer Comment (2019-03-29): Letter of Explanation and Corrected CD provided. Cure not required SSPL provided to borrower on 1/22/2019 lists Stewart Title and Land Title, borrower used Chicago Title. Borrower shopped for fees. Post Close CD moves fees from Section B to Section C. No tolerance requirement. Recording fee was disclosed at $171 and borrower paid $171   03/29/2019   2 B 02/27/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315065 26004770 600116507 11107572 26004770-6498 03/18/2019 Property Property - Appraisal Appraisal Reconciliation Appraisal is required to be in name of Lender Valuation Type: Appraisal / Valuation Report Date: 01/25/2019 Lender on 1004 is New Penn Financial, LLC.     Reviewer Comment (2019-03-22): 03/22/19 Received a release from New Rez LLC parent company for New Penn (lender name on the appraisal) all rights, title and interest tot he Appraisal to Loan Depot Wholesale. Exception cleared. Seller Comment (2019-03-21): This is a broker loan. Please see attachment. 03/22/2019     1 A 02/27/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315065 26004770 600116507 11108207 26004770-3907 03/18/2019 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/01/15/2019) Originator's Application Date, per earliest 1003, is 01/07/2019. Initial Loan Estimate was provided to borrower on 01/15/2019.     Reviewer Comment (2019-04-08): AMC received the 01/07 LE. Exception Cleared. Seller Comment (2019-04-05): Please see attached LE 1/7/2019. 04/08/2019     1 A 02/27/2019 CO Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315065 26004770 600116507 11113079 26004770-19966 03/18/2019 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 01/08/19. Initial LE was issued on 01/15/19.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/27/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315065 26004770 600116507 11113080 26004770-19967 03/18/2019 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 01/08/19. Initial LE was issued on 01/15/19.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/27/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315066 26004771 103180657 11085010 26004771-6542 03/15/2019 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 $442.00 exceeds tolerance of $425.00. Insufficient or no cure was provided to the borrower. (7506) Fee disclosed as $425 on LE, but disclosed as $442 on Final Closing Disclosure.     Reviewer Comment (2019-04-04): Tracking confirms borrower received package. Exception cured. Reviewer Comment (2019-04-02): AMC received PCCD indicating cure, LOE, Refund Check, and Shipping Label. The Shipping Label indicates package is not yet mailed. Please indicate when Proof of Delivery is available to cure. Reviewer Comment (2019-03-29): No reason for increase in appraisal fee was included in the 1/28 Changed circumstance. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception.   04/04/2019   2 B 02/12/2019 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
206315066 26004771 103180657 11085022 26004771-6331 03/15/2019 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,384.04 is less than amount of binding Lender Credit previously disclosed in the amount of $-4,721.00. (9300) Loan Estimate reads ($4,721.00) and final CD is ($2,384.04).     Reviewer Comment (2019-03-29): Changed circumstance dated 1/28/2019 shows re baseline event due to rate lock extension. AMC received required documents, exception is cleared. 03/29/2019     1 A 02/12/2019 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
206315066 26004771 103180657 11085031 26004771-4850 03/15/2019 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 02/06/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/06/2019) Due to appraisal fee increased without a valid change in circumstance.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/12/2019 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
206315067 26004772 103223777 11144484 26004772-24188 03/19/2019 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 $0.00 on Final Closing Disclosure provided on 02/06/2019 not accurate. (Final/02/06/2019) Consumer(s) Final CD disclosed annual HOA dues as $0.00; appraisal report indicated $200.00 per year.     Reviewer Comment (2019-03-20): Letter of Explanation & Corrected Closing Disclosure provided Seller Comment (2019-03-20): copy of corrected CD   03/20/2019   2 B 02/08/2019 FL 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
206315067 26004772 103223777 11146310 26004772-4246 03/19/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy.   Approved exception for exceeding LTV program guidelines was not provided.     Reviewer Comment (2019-03-21): Received matrix dated 12.31.18. LTV/CLTV is within guidelines. 03/21/2019     1 A 02/08/2019 FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315067 26004772 103223777 11146342 26004772-4245 03/19/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of 70.78125% exceeds Guideline loan to value percentage of 70.00000%. Approved exception for exceeding LTV/CLTV program guidelines was not provided.     Reviewer Comment (2019-03-21): Received matrix dated 12.31.18. LTV/CLTV is within guidelines. 03/21/2019     1 A 02/08/2019 FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315068 26004773 400312262 11108980 26004773-23688 03/18/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Estimated cost new per appraisal is $443,040.00. Loan Amount is $566,800.00 need cover to be at least 443,040.00, dwelling coverage is $302,600.00 plus additional 20% of 60,520.00 = $363,120.00 short coverage of at least $79,920.00 or Lender Replacement cost estimator.     Reviewer Comment (2019-03-21): Received insurer's replacement cost estimator. Coverage is sufficient. 03/21/2019     1 A 02/19/2019 MA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315068 26004773 400312262 11108989 26004773-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary product provided 04/05/2019     1 A 02/19/2019 MA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315068 26004773 400312262 11109351 26004773-4826 03/18/2019 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 02/13/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/13/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. Due to Binding LE reflects ($423.00) and final CD reads ($374.09).     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/19/2019 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315068 26004773 400312262 11109353 26004773-7038 03/18/2019 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/02/12/2019) The CD was issued 2/12/19 with no evidence of received date from the borrower and closing date is 02/19/19.     Reviewer Comment (2019-03-20): AMC received Disclosure Tracking indicating the initial CD was received by one of the borrowers on 02/12. Exception Cleared. 03/20/2019     1 A 02/19/2019 MA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315068 26004773 400312262 11109354 26004773-6331 03/18/2019 Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-374.09 is less than amount of binding Lender Credit previously disclosed in the amount of $-423.00. (9300) Binding LE reflects ($423.00) and final CD reads ($374.09).     Reviewer Comment (2019-03-20): AMC received 02/04 COC indicating a pricing change due to value decrease. Exception Cleared. 03/20/2019     1 A 02/19/2019 MA 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
206315069 26004774 400308032 11085567 26004774-25454 03/15/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): secondary product provided 04/05/2019     1 A 02/22/2019 NJ Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315069 26004774 400308032 11086151 26004774-24983 03/15/2019 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.       Reviewer Comment (2019-04-02): Lender cured on 03/26/19 by re-opening rescission; new rescission period ended 03/30/19. Received copy of the new RTC, LOX and proof of delivery. Reviewer Comment (2019-03-26): AMC acknowledges that new RTC is being provided to Borrower, however package has not been delivered yet and therefore cannot confirm receipt. Exception to be re-evaluated once proof of delivery is provided.   04/02/2019   2 B 02/22/2019 NJ 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 C A Safe Harbor QM Safe Harbor QM Yes
206315069 26004774 400308032 11086161 26004774-4376 03/15/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/22/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/02/22/2019) Final Closing Disclosure provided on 02/22/2019 disclosed a finance charge of $513,840.03, calculated finance charge are $514,355.03, resulting in a variance of -$515.00. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-03-21): Upon further review, the exception is cleared. Seller Comment (2019-03-21): Hello - would you please provide your calculation for review? I believe the $500 rate lock fee is being included and it should not be as this fee was refunded to the borrower on page three of the CD. Thanks! 03/21/2019     1 A 02/22/2019 NJ 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 A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315069 26004774 400308032 11149551 26004774-24137 03/19/2019 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. (xxxxn/2492948) VVOE only has an end date.     Reviewer Comment (2019-04-04): Client elects to waive.     04/04/2019 2 B 02/22/2019 NJ Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315070 26004775 400266142 11109402 26004775-24752 03/18/2019 Credit 1003 Document Error Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. Borrower: xxxx Permanent resident card in file is out dated. Their is an extension in file for 3 months only until 04/18/2019 which was before the loan closed.     Reviewer Comment (2019-04-01): Oath Ceremony was provided, exception cleared. Seller Comment (2019-03-28): Sorry about that. Here you go Reviewer Comment (2019-03-25): Provided was the Alien card, Visa and an employment authorized to 4/18/2019 however there is no document to show the appointment for residency. Seller Comment (2019-03-25): We used the passport + naturalization docs in lieu of the permanent resident card. The borrower also provided document that shows that she has appoint to become citizen 3/1/19. 04/01/2019     1 A 02/22/2019 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315070 26004775 400266142 11109433 26004775-918 03/18/2019 Credit Property - Appraisal General Appraisal Requirements Valuation Error: Comparable(s) photos are missing or not legible. Valuation Type: Appraisal / Valuation Report Date: 01/08/2019 Comp photos are missing in original appraisal.     Reviewer Comment (2019-03-25): Comparable photos were provided in the trailing docs. Condition has been cleared. 03/25/2019     1 A 02/22/2019 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315070 26004775 400266142 11110124 26004775-4371 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/25/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/25/2019) Final CD with closing date of 02/22/2019 was signed on 02/25/2019     Reviewer Comment (2019-03-25): A PCCD dated 3/25/2018 was provided correcting the signature date and the HOA cost year 1.   03/25/2019   1 A 02/22/2019 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206315070 26004775 400266142 11110125 26004775-24188 03/18/2019 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 $1,404.00 on Final Closing Disclosure provided on 02/25/2019 not accurate. (Final/02/25/2019) HOA fees shows as $110/monthly on appraisal, but as $1,404 annually on final CD. Per the closing instruction the monthly HOA was listed as $117.00 monthly but the 442 does not address if the HOA was increased at completion.     Reviewer Comment (2019-03-25): A PCCD dated 3/25/2018 was provided correcting the signature date and the HOA cost year 1.   03/25/2019   2 B 02/22/2019 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206315070 26004775 400266142 11114160 26004775-2883 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   This transaction is new construction and the monthly tax liability used to qualify the borrower was $670.93 per month whereas the tax cert provided list a semi annual amount of $606.85. Please provide the taxing authority percentage as the inquiry does not provide a tax value to determine.     Reviewer Comment (2019-03-25): The lender provided the MTH Divisions Tax Chart to support collecting a higher tax value at closing 03/25/2019     1 A 02/22/2019 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315071 26004776 400307848 11111709 26004776-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary product provided 04/05/2019     1 A 02/25/2019 FL Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315071 26004776 400307848 11111921 26004776-6623 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 02/26/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/26/2019) Lender contact name and NMLS ID is blank     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/25/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315071 26004776 400307848 11111923 26004776-4826 03/18/2019 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 02/26/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/26/2019) Disclosed amount was $.10     Reviewer Comment (2019-04-01): AMC received PCCD indicating cure, LOE, Refund Check, and Proof of Mailing. Exception Cured.   04/01/2019   2 B 02/25/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315071 26004776 400307848 11111925 26004776-6543 03/18/2019 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 $291.30 exceeds tolerance of $242.00 plus 10% or $266.20. Insufficient or no cure was provided to the borrower. (0) The cure required is due to the Recording fee and the variance is $25.10 and only a .10c credit cure was provided.     Reviewer Comment (2019-04-01): AMC received PCCD indicating cure, LOE, Refund Check, and Proof of Mailing. Exception Cured. Seller Comment (2019-03-29): Please see attached cure Reviewer Comment (2019-03-27): Per Deal Settings "Seller/third Party fees are not excluded" The recording fees in total exceeded the amount disclosed on the LE by more than 10%. A refund is due. Seller Comment (2019-03-26): The borrower was responsible for all of their fees per the contract but if there was something the seller was having recorded through the transaction and escrow reflected that on the fees then it would be on our CD on the seller side and we would not have reflected that on the LE since it isn't the borrowers. Please advise. Reviewer Comment (2019-03-21): The Seller CD indicates seller paid recording fees of $49.10. The client has elected to test seller fess in compliance testing. The purchase agreement indicates borrower is responsible for all fees. If fees were not charged please provide closing statement to verify. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-03-21): Please see Final CD attached, recording fees were only $242.20. Not sure where you are seeing $291.30 04/01/2019     1 A 02/25/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315071 26004776 400307848 11111945 26004776-4371 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/26/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/26/2019) Confirmed closing date was 2/25 and signature date was 2/26     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/25/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315071 26004776 400307848 11150519 26004776-4436 03/19/2019 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/02/07/2019)       Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 02/25/2019 FL Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315071 26004776 400307848 11350139 26004776-6544 04/01/2019 Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $291.30 exceeds tolerance of $242.00 plus 10% or $266.20. Sufficient or excess cure was provided to the borrower. (0)       Reviewer Comment (2019-04-01): AMC received PCCD indicating cure, LOE, Refund Check, and Proof of Mailing. Exception Cured.   04/01/2019   2 B 02/25/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206315072 26004777 400299706 11109274 26004777-2808 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-03-21): Received final loan approval 03/21/2019     1 A 02/22/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315072 26004777 400299706 11112753 26004777-4264 03/18/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. UW notes reflect $28,911.33 in verified funds, not found in the file.     Reviewer Comment (2019-03-21): Received assets totaling $28,911.33. Issue cleared. 03/21/2019     1 A 02/22/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315072 26004777 400299706 11112771 26004777-23086 03/18/2019 Credit Assets Asset Calculation / Analysis Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $588.75. UW notes reflect $28,911.33 in verified funds, not found in the file.     Reviewer Comment (2019-03-21): Received assets totaling $28,911.33. Issue cleared. 03/21/2019     1 A 02/22/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315072 26004777 400299706 11112777 26004777-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary product provided 04/05/2019     1 A 02/22/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315072 26004777 400299706 11112883 26004777-1029 03/18/2019 Compliance Compliance Federal Compliance Retirement Documentation Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (xxxxx/Pension) UW notes reflect an award letter in the file, however no documentation of receipt of retirement income foumd.     Reviewer Comment (2019-03-21): Received pension award letter 03/21/2019     1 A 02/22/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315072 26004777 400299706 11112884 26004777-4436 03/18/2019 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/12/05/2018) Receipt of appraisal not found in the loan file.     Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 02/22/2019 CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315072 26004777 400299706 11112891 26004777-3867 03/18/2019 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 undocumented retirement income     Reviewer Comment (2019-03-21): Received pension award letter 03/21/2019     1 A 02/22/2019 CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315073 26004778 600117962 11082217 26004778-3879 03/15/2019 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. Home Loan Toolkit disclosure is not provided in file     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/23/2019 CA Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206315073 26004778 600117962 11082218 26004778-4824 03/15/2019 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 02/25/2019 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/02/25/2019) Tax service and flood certificate fees show as paid to lender (fees paid to lender within invalid section for lender fees - services borrower did not shop for ) no invoices in file to show fees are for third party     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/23/2019 CA Primary Purchase Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206315073 26004778 600117962 11113201 26004778-2802 03/18/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003         Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 02/23/2019 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206315074 26004779 400313244 11080924 26004779-25454 03/15/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only one appraisal was provided.     Reviewer Comment (2019-04-05): Secondary product provided 04/05/2019     1 A 03/01/2019 CO Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206315074 26004779 400313244 11081675 26004779-24137 03/15/2019 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. (Nathan/Pine/2492460) Borrower recently changed employers but is employed in the same line of work. Missing VVOE for employment dates.     Reviewer Comment (2019-04-04): Client elects to waive.     04/04/2019 2 B 03/01/2019 CO Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206315074 26004779 400313244 11081679 26004779-6411 03/15/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/02/27/2019) Not provided but seller fees were included on the final Closing Disclosures.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 03/01/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206315075 26004780 400288268 11113905 26004780-2808 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-03-25): Final Approval 2/28/19 was provided in the trailing docs. Condition has been cleared. 03/25/2019     1 A 02/04/2019 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206315075 26004780 400288268 11113930 26004780-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only one appraisal provided     Reviewer Comment (2019-04-05): secondary product provided 04/05/2019     1 A 02/04/2019 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206315075 26004780 400288268 11114041 26004780-6411 03/18/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/02/04/2019) Document not provided     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/04/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206315075 26004780 400288268 11114130 26004780-4371 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/04/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/04/2019) Closing date disclosed as 02/04/2019, however signed and notarized on 02/05/2019     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/04/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206315075 26004780 400288268 11158130 26004780-24137 03/19/2019 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. (Brandon/Carrera/2499566) Missing dates of employment for previous employer fro co-borrower.     Reviewer Comment (2019-04-04): Client elects to waive.     04/04/2019 2 B 02/04/2019 CA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206315076 26004781 103218754 11155214 26004781-4245 03/19/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of 72.43590% exceeds Guideline loan to value percentage of 70.00000%. Per lender guidelines the max LTV for a cash out refinance of a primary home is 70% however the loan closed with a LTV of 72%.     Reviewer Comment (2019-03-21): Received correct matrix. LTV is within guidelines. 03/21/2019     1 A 02/11/2019 MA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM Safe Harbor QM No
206315078 26004783 400255711 11179877 26004783-6623 03/19/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/21/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/12/21/2018) Not provided on CD     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 12/21/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315078 26004783 400255711 11179883 26004783-24188 03/19/2019 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 $1,051.08 on Final Closing Disclosure provided on 12/21/2018 not accurate. (Final/12/21/2018) HOA shows $93/mo ( $1,116/yr) as per appraisal. Final CD and Sales Contract addendum reflect $1051/yr ($88/mo)     Reviewer Comment (2019-03-25): AMC received page 2 purchase contract confirms estimated HOA $1051 / year Seller Comment (2019-03-22): Here is the page of the contract and the settlement statement showing the estimated dues and dues collected. They are within cents of each other and both round up to $88.00 which is consistent with the file. Reviewer Comment (2019-03-21): Please provide supporting documentation to use $88/mo. The appraisal indicates $93/mo. Seller Comment (2019-03-21): Hello - $88.00/mo for the HOA is correct which means the Final CD is correct. Do I need to get the appraisal corrected? 03/25/2019     1 A 12/21/2018 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206315078 26004783 400255711 11186318 26004783-25454 03/19/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary Product provided supporting origination value 04/05/2019     1 A 12/21/2018 WA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206315079 25816009 400291391 11105660 25816009-2808 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Signed and dated 1008 was provided.     Reviewer Comment (2019-03-25): Final Approval 1/25/19 was provided in the trailing docs. Condition has been cleared. 03/25/2019     1 A 01/24/2019 CA Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
206315080 26004784 400310000 11087144 26004784-25454 03/15/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary product provided 04/05/2019     1 A 02/06/2019 CA Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206315080 26004784 400310000 11091328 26004784-4371 03/15/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/06/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/06/2019) Disclosure reflects closing date as 2/6/19; mortgage notary date is 2/7/19.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/06/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206315080 26004784 400310000 11091330 26004784-6583 03/15/2019 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 $5,219.20 exceeds tolerance of $5,208.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) Transfer Tax disclosed as $5,208 on the LE dated 1/8/19; but disclosed as $5,219.20 on the Final Closing Disclosure. Cure was provided.         03/15/2019   1 A 02/06/2019 CA Primary Purchase Final CD evidences Cure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206315081 26004785 400315693 11082102 26004785-2802 03/15/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Missing lender's initial 1003.     Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 02/28/2019 WA Primary Purchase   D B D A B B A A Safe Harbor QM Safe Harbor QM No
206315081 26004785 400315693 11085593 26004785-2868 03/15/2019 Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided   Missing purchase agreement.     Reviewer Comment (2019-03-25): Purchase Contract was provided in the trailing docs. Condition has been cleared. Seller Comment (2019-03-25): purchase agreement. 03/25/2019     1 A 02/28/2019 WA Primary Purchase   D B D A B B A A Safe Harbor QM Safe Harbor QM No
206315081 26004785 400315693 11108118 26004785-4087 03/18/2019 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 (2019-04-03): Client elects to waive     04/03/2019 2 B 02/28/2019 WA Primary Purchase   D B D A B B A A Safe Harbor QM Safe Harbor QM No
206315081 26004785 400315693 11108325 26004785-6623 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 02/27/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/27/2019) Lender individual contact information is blank.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/28/2019 WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A B B A A Safe Harbor QM Safe Harbor QM Yes
206315081 26004785 400315693 11148036 26004785-3495 03/19/2019 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/02/26/2019) Email reflects receipt prior to report date.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/28/2019 WA Primary Purchase   D B D A B B A A Safe Harbor QM Safe Harbor QM No
206315081 26004785 400315693 11149337 26004785-5404 03/19/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxxxx, II VVOE - Employment Only VVOE dated within 10 days of closing not found in file.     Reviewer Comment (2019-03-25): The work number verification 2/21/19 was provided in the trailing docs. Condition has been cleared. Seller Comment (2019-03-25): VVOE 03/25/2019     1 A 02/28/2019 WA Primary Purchase   D B D A B B A A Safe Harbor QM Safe Harbor QM No
206315082 26004786 400285698 11086423 26004786-23688 03/15/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Estimates cost new is $474,823.00. Loan amount $671,589.00. Dwelling coverage is $343,866.00 + 20% of $68,773.20 = 412,639.20. Need coverage of at least $412,639.20 or lender replacement cost estimator.     Reviewer Comment (2019-03-29): Cost to replace provided by insurer in the amount of $343,866. Exception cleared. Seller Comment (2019-03-28): What difference does it make if the ins co handwrote the amount in? The coverage is for $343,866 and the cost to rebuild is the same. The extended coverage is not even required. Please clear. If you don't agree, please have your mgr provide an explanation on why the cost to rebuild is not be accepted. Reviewer Comment (2019-03-26): The original HOI dec page provided listed a hand written value of $412,639 based on a stamp of 120% coverage however there is no indication this is from the insurer of an actual cost or extended coverage. Section I does list dwelling protection and increased coverage however the file is missing this value from the insurer directly. Reviewer Comment (2019-03-25): Missing replacement cost estimator. Exception remains. Seller Comment (2019-03-25): Per Hazard Dec Page submitted with the file, the total coverage is $412,639 and per Replacement Cost Estimator submitted with the file, reconstruction cost is $343,866. 03/29/2019     1 A 03/01/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315082 26004786 400285698 11086534 26004786-25454 03/15/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Only one appraisal was provided.     Reviewer Comment (2019-04-05): Secondary Product provided supporting origination value 04/05/2019     1 A 03/01/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315082 26004786 400285698 11087005 26004786-24137 03/15/2019 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. (xxxx/2494004) Missing VVOE to verify employment dates from Avitus Inc.     Reviewer Comment (2019-03-25): A VVOE was provided supporting the borrower prior employment begin and end date 03/25/2019     1 A 03/01/2019 CO Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315082 26004786 400285698 11087008 26004786-3867 03/15/2019 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 Higher Priced QM. Due to Missing VVOE to verify employment dates from Avitus Inc.     Reviewer Comment (2019-03-25): A VVOE was provided for the prior employment supporting the borrower start and end dates for Avitus. Reviewer Comment (2019-03-25): Missing VVOE. Exception remains. 03/25/2019     1 A 03/01/2019 CO Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315082 26004786 400285698 11087009 26004786-6583 03/15/2019 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 $74.62 exceeds tolerance of $72.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)           03/15/2019   1 A 03/01/2019 CO Primary Purchase Final CD evidences Cure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315082 26004786 400285698 11087026 26004786-5320 03/15/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 02/28/2019 disclosed a negative fee amount. (Final/02/28/2019) Seller Closing Disclosure listed a negative fee for a survey in the amount of -$300 reducing the total seller paid fees.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 03/01/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315083 26004787 400258060 11109781 26004787-25454 03/18/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-05): Secondary Product provided supporting origination value 04/05/2019     1 A 02/11/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315083 26004787 400258060 11110078 26004787-4371 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/11/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/11/2019) Consumer(s) Final CD disclosed Closing date of 02/11/2019, however consummation took place on 02/14/2019.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/11/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315083 26004787 400258060 11110079 26004787-4826 03/18/2019 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 02/11/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/11/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. Total amount of $5,351.00 (Title-Settlement/Closing fee/Escrow, Title-Lender�s Title Insurance, Recording Fee, Title-Endorsement, Title-Recording Service, and Title-Courier fees all increased after initial LE without a valid change in circumstance) exceeds tolerance of $4,791.00 plus 10% or $5,270.10. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-04-03): Client elects to waive Reviewer Comment (2019-03-26): PCCD dated 3/7/19 discloses lower title fees by removing, courier fee and endorsement fee and lower fee for recording, the 10% tolerance fee total is now below the initial total plus 10%. No refund is required. Need Letter of Explanation provided to Borrower with Post Close CD to cure.     04/03/2019 2 B 02/11/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315083 26004787 400258060 11110080 26004787-6411 03/18/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/02/11/2019) Seller CD was not provided to verify Seller paid fees.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/11/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206315083 26004787 400258060 11110081 26004787-6543 03/18/2019 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 $5,351.00 exceeds tolerance of $4,791.00 plus 10% or $5,270.10. Insufficient or no cure was provided to the borrower. (0) Total amount of $5,351.00 (Title-Settlement/Closing fee/Escrow, Title-Lender�s Title Insurance, Recording Fee, Title-Endorsement, Title-Recording Service, and Title-Courier fees all increased after initial LE without a valid change in circumstance) exceeds tolerance of $4,791.00 plus 10% or $5,270.10. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-03-29): AMC received LOE. Exception Cleared. Reviewer Comment (2019-03-26): PCCD dated 3/7/19 discloses lower title fees by removing, courier fee and endorsement fee and lower fee for recording, the 10% tolerance fee total is now below the initial total plus 10%. No refund is required. Need Letter of Explanation provided to Borrower with Post Close CD to cure. 03/29/2019     1 A 02/11/2019 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
206315083 26004787 400258060 11110082 26004787-6542 03/18/2019 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 $1,102.75 exceeds tolerance of $933.00. Insufficient or no cure was provided to the borrower. (8304) Transfer Tax was initially disclosed, however change of circumstance was not provided for increase of fee(s) on Consumer(s) Final CD, no cure give to Consumer(s).     Reviewer Comment (2019-03-29): AMC reviewed exception. A cure is indicated on the Final CD. Exception Cured. Seller Comment (2019-03-28): There was a Lender Credit at the bottom of page 2 in the amount of $200.75 for under-disclosing the transfer tax.   03/29/2019   2 B 02/11/2019 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
206315083 26004787 400258060 11150280 26004787-2808 03/19/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   1008 signed and dated was provided.     Reviewer Comment (2019-03-25): Final Approval 2/1/19 was provided in the trailing docs. Condition has been cleared. 03/25/2019     1 A 02/11/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206315085 26004788 400307150 11101970 26004788-7457 03/18/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxxxx/Schedule C) Per program, Year-to-date profit and loss (P&L) statement and balance sheet for all businesses are required, including Schedule C. Only have profit & loss statement, balance sheet not found in file     Reviewer Comment (2019-03-22): Received Balance sheet for 2018. Exception cleared. Seller Comment (2019-03-22): co borrower p&L and balance sheet Reviewer Comment (2019-03-21): Need YTD P & L and Balance sheet for CB's schedule C business. Documents were provided for borrower which we already have. Seller Comment (2019-03-20): Balance sheet as requested 03/22/2019     1 A 02/28/2019 NY Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206315085 26004788 400307150 11101971 26004788-3867 03/18/2019 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. Loan designated in loan file as QM, but missing balance sheet documentation for income, considered non QM.     Reviewer Comment (2019-03-22): Received Balance sheet for 2018. Exception cleared. 03/22/2019     1 A 02/28/2019 NY Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206315086 26004789 400313841 11098167 26004789-6623 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 02/27/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/27/2019) Final Closing Disclosure provided on 02/27/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/27/2019)     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/27/2019 NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206315086 26004789 400313841 11149478 26004789-25454 03/19/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Please provide CDA or acceptable review.     Reviewer Comment (2019-04-05): Secondary Product provided supporting origination value 04/05/2019     1 A 02/27/2019 NC Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206315086 26004789 400313841 11152955 26004789-5404 03/19/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Audrey M Vincent VVOE - Employment Only VVOE dated within 10 days of closing not found in file.     Reviewer Comment (2019-03-25): VVOE 2/17/19 was provided in the trialing docs. Condition has been cleared. Seller Comment (2019-03-25): VVOE 03/25/2019     1 A 02/27/2019 NC Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206315087 26004790 400285214 11115148 26004790-3126 03/18/2019 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 (2019-03-25): The document was in the original images and not captured       1 A 02/15/2019 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206315087 26004790 400285214 11115195 26004790-4371 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/20/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/20/2019) The Final Closing Disclosure was issued on 2/20/19 and reflects a closing date of 2/15/19. The notary date on the mortgage is 2/21/19.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 02/15/2019 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206315087 26004790 400285214 11115203 26004790-2919 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Approximate bottom 1/4 of all pages of Appraisal Report have been cut off. Complete copy of report was not provided.     Reviewer Comment (2019-04-01): The full appraisal has been provided, exception cleared. 04/01/2019     1 A 02/15/2019 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206315087 26004790 400285214 11154815 26004790-5404 03/19/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: David J Heath VVOE - Employment Only VVOE dated within 10 days of closing not found in file.     Reviewer Comment (2019-03-25): VVOE was provided 03/25/2019     1 A 02/15/2019 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206315088 26004791 400243971 11101253 26004791-4826 03/18/2019 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 02/11/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/11/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. LE issued on 02/01/208 does not reflect a Loan Discount fee however, interim LE issued on 07/03/18 reads Loan Discount Point fee $1,414.00 final CD reads $159.64 missing a valid charge circumstance.     Reviewer Comment (2019-03-20): AMC received required documents, exception is cleared. 03/20/2019     1 A 02/15/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206315088 26004791 400243971 11101259 26004791-6542 03/18/2019 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 $159.64 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) LE issued on 02/01/208 does not reflect a Loan Discount fee however, interim LE issued on 07/03/18 reads Loan Discount Point fee $1,414.00 final CD reads $159.64 missing a valid charge circumstance.     Reviewer Comment (2019-03-20): AMC received required documents, exception is cleared. Seller Comment (2019-03-20): copy of COC 03/20/2019     1 A 02/15/2019 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
206315088 26004791 400243971 11101281 26004791-6542 03/18/2019 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 $78.25 exceeds tolerance of $71.00. Insufficient or no cure was provided to the borrower. (8304) The cost of cure of the Transfer Tax fee of $78.25 exceeding the tolerance of $71.00 was provided to the borrower.     Reviewer Comment (2019-03-19): Cure provide at closing of $7.57. The difference is $78.25 -$71.00 = $7.25 - $7.57 = ($0.32) difference less than $1.00 which is except-able. 03/19/2019     1 A 02/15/2019 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
206315088 26004791 400243971 11152016 26004791-4436 03/19/2019 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/01/21/2019) There is nothing in the file to show when the appraisal was given to the borrower     Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 02/15/2019 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206315088 26004791 400243971 11212977 26004791-6583 03/20/2019 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 $78.25 exceeds tolerance of $71.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) AMC received required documents, exception is cured at closing.         03/20/2019   1 A 02/15/2019 CO Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206315089 26004792 400309342 11108330 26004792-2808 03/18/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Approval letter not found in file     Reviewer Comment (2019-03-21): Received final loan approval Seller Comment (2019-03-21): Please see attached Loan Approval 03/21/2019     1 A 03/01/2019 NV Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206315089 26004792 400309342 11111766 26004792-4613 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/21/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/02/21/2019) Per closing disclosure hazard insurance payment to CAMCO for 1 month in the amount of $250. Amount doesn't match homeowners insurance premium amount in file or monthly payment amount for insurance.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 03/01/2019 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206315089 26004792 400309342 11111767 26004792-6623 03/18/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 02/21/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/21/2019) Closing disclosure shows lender contct name and NMLS as blank on page 5.     Reviewer Comment (2019-04-03): Client elects to waive     04/03/2019 2 B 03/01/2019 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206315089 26004792 400309342 11148689 26004792-2802 03/19/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003         Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 03/01/2019 NV Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206315091 26006170 400314758 11111627 26006170-6542 03/18/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $254.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. (7517) Lender provided $104.00 credit at closing for increase in closing costs above legal limits.     Reviewer Comment (2019-03-19): Lender provided $104.00 credit at closing for increase in closing costs above legal limits.   03/19/2019   2 B 03/01/2019 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
206315091 26006170 400314758 11111629 26006170-6542 03/18/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Condo Review Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) Lender provided $104.00 credit at closing for increase in closing costs above legal limits.     Reviewer Comment (2019-03-19): Lender provided $104.00 credit at closing for increase in closing costs above legal limits.   03/19/2019   2 B 03/01/2019 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
206315091 26006170 400314758 11163429 26006170-24137 03/19/2019 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. (xxx/2495168) Borrower employed in current position for less than 2 years. Missing VOE for previous employer.     Reviewer Comment (2019-03-21): Received VOE for previous employer       1 A 03/01/2019 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315091 26006170 400314758 11168647 26006170-5404 03/19/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Jason Tyler Green, Borrower: xxxxx VVOE - Employment Only VVOE - Employment Only VVOE dated within 10 days of closing not found in file     Reviewer Comment (2019-03-21): Received VVOE for both borrowers Reviewer Comment (2019-03-21): Still missing VOE for borrower's previous employment with xxxx to complete 2 year history 03/21/2019     1 A 03/01/2019 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206315091 26006170 400314758 11168981 26006170-4436 03/19/2019 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/02/05/2019) Proof of appraisal delivery not found in file     Reviewer Comment (2019-04-03): Client elects to waive.     04/03/2019 2 B 03/01/2019 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206325984 200001371 9784175433 11092382 200001371-25454 03/16/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   n/a     Reviewer Comment (2019-04-09): Desk review provided with no variance. Exception cleared. 04/09/2019     1 A 11/28/2018 DE Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206325984 200001371 9784175433 11092411 200001371-2808 03/16/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-03-26): The 1008 provided is signed by the UW with commentary and acceptable approval. 03/26/2019     1 A 11/28/2018 DE Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206325984 200001371 9784175433 11092562 200001371-4826 03/16/2019 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 11/28/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/28/2018) Total Closing Costs exceeded     Reviewer Comment (2019-04-12): Client elects to waive     04/12/2019 2 B 11/28/2018 DE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206325984 200001371 9784175433 11092564 200001371-6543 03/16/2019 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 $2,819.88 exceeds tolerance of $2,431.00 plus 10% or $2,674.10. Insufficient or no cure was provided to the borrower. (0) A variance cure of $145.78 is required for the 10% tolerance fee failure.     Reviewer Comment (2019-04-01): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided.   04/01/2019   2 B 11/28/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206325984 200001371 9784175433 11191806 200001371-3831 03/19/2019 Credit Credit Miscellaneous Credit Exception:   The HOI for the subject property list a rent loss coverage within the additional living expense. The file is missing evidence the policy was written as an owner occupied or an explanation from Horace Mann agent regarding this coverage.     Reviewer Comment (2019-04-01): Attestation letter received for HOI coverage as owner-occupied residence. 04/01/2019     1 A 11/28/2018 DE Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206325984 200001371 9784175433 11442325 200001371-3831 04/09/2019 Credit Credit Miscellaneous Credit Exception:   Pending Internal Goldman Sachs Final Collateral Package Review     Reviewer Comment (2019-04-15): Collateral package received. 04/15/2019     1 A 11/28/2018 DE Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206395982 200001372 9737751157 11425029 200001372-1209 04/08/2019 Compliance Compliance Federal Compliance TILA NMLSR - Missing NMLS Information on 1003 Truth in Lending Act (NMLSR Dodd- Frank 2014): NMLSR information not present on loan application. 1003 cutoff on bottom of 1003s in file, unable to verify 1003 information is the same as note and deed.     Reviewer Comment (2019-04-19): Complete 1003 provided. Exception cleared. 04/19/2019     1 A 04/01/2019 NJ Primary Purchase Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206395982 200001372 9737751157 11425030 200001372-5180 04/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/29/2019 did not disclose number of months for Property Tax under Prepaids. (Final/03/29/2019) Per final closing disclosure, number of months for property taxes being paid is listed as zero     Reviewer Comment (2019-04-12): Client elects to waive     04/12/2019 2 B 04/01/2019 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206395982 200001372 9737751157 11425031 200001372-4826 04/08/2019 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 03/29/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/29/2019) $134.26 in tolerance cure provided to borrower.     Reviewer Comment (2019-04-10): Cure provided at closing 04/10/2019     1 A 04/01/2019 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206395982 200001372 9737751157 11425032 200001372-4871 04/08/2019 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 03/29/2019 incorrectly disclosed whether there was a change in the Deposit. (Final/03/29/2019) Final CD shows initial deposit from loan estimate of $171,695 and the Final CD of $171,694.60 and a yes to the question of "did this change".     Reviewer Comment (2019-04-12): Client elects to waive     04/12/2019 2 B 04/01/2019 NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206395982 200001372 9737751157 11425035 200001372-6542 04/08/2019 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 $550.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) $134.26 tolerance cure provided to borrower.     Reviewer Comment (2019-04-10): Cure provided at closing 04/10/2019     1 A 04/01/2019 NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206395982 200001372 9737751157 11455227 200001372-3831 04/10/2019 Credit Credit Miscellaneous Credit Exception:   Pending Internal Goldman Sachs Final Collateral Package Review.     Reviewer Comment (2019-04-22): The client has accepted the collateral package for this transaction 04/22/2019     1 A 04/01/2019 NJ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206435218 26384973 1329010034 11390692 26384973-4436 04/04/2019 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/02/05/2019)       Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 03/07/2019 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206435218 26384973 1329010034 11390738 26384973-4826 04/04/2019 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 03/05/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/05/2019) 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 (2019-04-08): Client elects to waive     04/08/2019 2 B 03/07/2019 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206435218 26384973 1329010034 11390740 26384973-6543 04/04/2019 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 $5,168.00 exceeds tolerance of $4,046.00 plus 10% or $4,450.60. Insufficient or no cure was provided to the borrower. (0) en Percent Fee Tolerance exceeded. Total amount of $5,168.00 exceeds tolerance of $4,046.00 plus 10% or $4,450.60. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-04-19): AMC received affirmation that Settlement/Closing Fees in the State of AZ are divided equally between Buyer and Seller. Reducing the total of the 10% fee by $1,042.50 results in no increase for the total increase of the 10% fee category. No additional documentation or refund is required. Seller Comment (2019-04-19): Thank You Reviewer Comment (2019-04-18): Escalated to CSM Seller Comment (2019-04-18): Can this be re-reviewed with the client? Why would we cure for fees paid by the seller and not charged to our borrower? The seller is not our customer. Reviewer Comment (2019-04-17): Per Deal Settings, Client has opted to include all third party or seller paid fees in testing. Therefore, the Seller paid Settlement/Closing Fee of $1042.50 and Seller paid recording service fee of $80 pushes the 10% tolerance over the allowance. Seller Comment (2019-04-17): I do not quite understand the most recent rejection. The baseline amounts are based on the borrower fees initially disclosed. Only the amount actually charged to and paid by the borrower for the seller paid fees you referenced in the previous comment, (Settlement Fee and Recording Services Fee) were included in the baseline amount. You can also see on the previously updated breakdown, in the bottom portion the $40 recording fee was paid by the closing agent. But we are still well under the 10% tolerance and no additional cure is required. Please re-review. Reviewer Comment (2019-04-16): AMC received breakdown of 10% fees. The calculated baseline is less $40 as the Final CD indicates borrower did not pay the $40 recording fee. The Final CD amounts have a discrepancy as the client has elected to have seller fees included in testing therefore the seller portion of fees are also included. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-04-15): Please review the attached Pre-CD Analysis, breaking down the 10% tolerance charges showing no cure is required. Reviewer Comment (2019-04-11): Ten Percent tolerance fees include; Title - Settlement $2,085 (partially paid by seller), CPL - $25, Endorsement - $225, Lender's Title Insurance - $2,753, Recording Service Fee - $80 (seller paid) for a total of $5,183.00. Baseline is $4,046.00 x 110% = $4,450.60 - 5,183.00 = $732.40 refund due. Provide a Corrected CD, Copy of refund check, Letter of explanation and proof of delivery to cure. Seller Comment (2019-04-11): Please see the last page of this attachment. Seller Comment (2019-04-11): Prepaid Finance Charges Worksheet attached. Please review which fees are listed as finance charges. Provident Funding applies lender credits to the total of all the non-apr fees first which is $2550.09 and then any remaining credit which does not apply in this case is then applied to the total of the APR fees. Please rerun finance charge test as provided. 04/19/2019     1 A 03/07/2019 AZ 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
206435218 26384973 1329010034 11392050 26384973-6668 04/04/2019 Credit Missing Document General Missing Document: Desk Review not provided   Missing Lender Internal Desk Review     Reviewer Comment (2019-04-09): Secondary product provided 04/09/2019     1 A 03/07/2019 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206435218 26384973 1329010034 11395353 26384973-5404 04/04/2019 Credit Income / Employment Income Documentation Income Docs Missing:   Per the Written VVOE it is stated the borrower is an equity Shareholder and also states Owners can take a bonus. The file is missing evidence of the percentage of ownership, two years signed dated 1040, two years K1 with current year to date balance sheet. There is possible evidence the borrower reports this income source under schedule E part II through K1 issuance.     Reviewer Comment (2019-04-11): The employer letter was provided, also the transcripts no K1 income reported. All income is from W2 Seller Comment (2019-04-11): I have attached an LOE from the COO of the borrower's employer which states our borrower owns 4.63% of the business. There are also two years of tax transcripts which show that now income is claimed on Schedule E. You can also see that the total amount showing on the WVOE matches the gross pay amount listed on the 2017 W2. This should further support that no Schedule E was filed and tax returns should not be needed. The borrower is a partner in a law firm and has a small ownership percentage. 04/11/2019     1 A 03/07/2019 AZ Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206435218 26384973 1329010034 11395648 26384973-6623 04/04/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 03/05/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/03/05/2019) Final CD was missing Lender NMLS ID and Contact Name and Contact NMLS ID     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 03/07/2019 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206435219 26384974 1828110532 11394176 26384974-25454 04/04/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   The loan file contained only one valuation product.     Reviewer Comment (2019-04-09): Secondary product provided 04/09/2019     1 A 02/15/2019 CO Primary Refinance - Rate/Term   C A A A A A C A Safe Harbor QM Safe Harbor QM No
206435219 26384974 1828110532 11442644 26384974-25737 04/09/2019 Property Property - Appraisal Appraisal Documentation Loan is to go in a securitization and secondary valuation does not support the appraised value within a 10% tolerance. The lower value was not used to calculate LTV.   Desk review value in at $900,000, a -12.6214% variance from appraised value of $1,030,000.     Reviewer Comment (2019-04-18): Drive-By Appraisal provided with a value of $1,025,000, a -0.4854% variance from appraised value of $1,030,000. Exception cleared. Seller Comment (2019-04-17): Is there anything further that is needed on our end? Reviewer Comment (2019-04-15): 2055 ordered for securitzation purposes pending receipt. Exception remains. Seller Comment (2019-04-11): After a review of the Desk Review documentation in the file, the following items were noted: Sale xxxx: The listing for this one indicates that it has 1,625sf of above grad finished living area, this is not only smaller than any comp on the report but 28% smaller than the subject. There is no indication that this sale is more comparable than the ones on the report. Sale xxxx: This property has a busy road location on the corner of 32 w (bus route, high traffic artery) and the listing notes that it has �Above Grade Finished Area: 1527�. This is 32% smaller in GLA and again smaller than anything on the report. It also has only 2 above grade bedrooms compared to the subject�s 5 above grade bedrooms. There is no indication that this sale is more comparable than the ones on the report. Sale xxxxt: This one is actually at least within reasonable tolerance of GLA at 1,846sf; but is still smaller and has a higher GLA variance than any comp on the report. This property is also not noted as being a fully remodel and appears to have more original features and not near the level of updating as the subject. There is no indication that this sale is more comparable than the ones on the report. In conclusion the Desk Review utilized inferior and smaller sales in order to arrive at a fundamentally flawed value lower than the appraised value. This concern is further elevated by the fact that the 3 sales utilized by the desk review sold in a range between $800,000 and $830,000 ; which is $70,000 below the value of the desk review. This means the lowest net adjustment would be more than 8% where the highest net adjustment on the actual appraisal is 6%. Furthermore, this concern should be considered immaterial or irrelevant as even if the value was based off this value showing within this desk review the LTV would still be below 70%. 04/18/2019     1 A 02/15/2019 CO Primary Refinance - Rate/Term   C A A A A A C A Safe Harbor QM Safe Harbor QM No
206435220 26384975 1828120522 11380523 26384975-2924 04/03/2019 Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided         Reviewer Comment (2019-04-09): Fraud report not required 04/09/2019     1 A 02/08/2019 PA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206435220 26384975 1828120522 11388971 26384975-4436 04/04/2019 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/01/14/2019) The loan file is missing evidence the Borrower received a copy of the appraisal prior to close.     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 02/08/2019 PA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206435220 26384975 1828120522 11389100 26384975-23897 04/04/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 01/17/2019 received on or after the date the Closing Disclosure 1/18/2019 12:00:00 AM was received. (Interim/01/17/2019) The revised LE issued 01/17/2019 was not signed or acknowledged received therefore the assumed receipt date of 01/22/2019 was after the initial CD was issued 01/18/2019.     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 02/08/2019 PA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
206435220 26384975 1828120522 11389134 26384975-2798 04/04/2019 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003   The applications provided in file were not signed at close.     Reviewer Comment (2019-04-11): Provided the Esign final 1003 Seller Comment (2019-04-11): Attached is the final 1003 that was e-signed with the rest of the non-compliance documents. 04/11/2019     1 A 02/08/2019 PA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206435220 26384975 1828120522 11389149 26384975-25454 04/04/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-09): secondary product provided supporting origination value 04/09/2019     1 A 02/08/2019 PA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206435220 26384975 1828120522 11389165 26384975-5404 04/04/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Shaun S Martinec Third Party Verification The loan file is missing third party verification for all of the borrower's businesses as required by the Lender guidelines.     Reviewer Comment (2019-04-19): Third party verification not required as guidelines require for income used to qualify. The loss was counted against borrower. Exception cancelled. Seller Comment (2019-04-11): The verification of these businesses were not obtained based on the fact that we are not utilizing any income from these businesses. We are only counting losses against them to ensure we are not over qualifying the borrower's usable income.       1 A 02/08/2019 PA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206435220 26384975 1828120522 11392072 26384975-25513 04/04/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,712.96 on Final Closing Disclosure provided on 01/31/2019 not accurate. (Final/01/31/2019) Lender used monthly amount of $150.00 for hazard insurance and $1.076.08 for property taxes, whereas the actual amounts are $138.83 and $1,080.49.     Reviewer Comment (2019-04-22): AMC received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2019-04-22): A PCCD has been uploaded for review. The cover page serves as the requested LOE showing the estimated amount has changed and the applicable section on page 4 of the CD should now match the requested figures. Reviewer Comment (2019-04-19): Client to review. Seller Comment (2019-04-19): Thank You Reviewer Comment (2019-04-18): Escalated to CSM Seller Comment (2019-04-18): Please provide additional explanation as to why this estimated amount can only be within 2 cents of the actual amount. As stated previously this figure is not impounded therefore is only an estimate, the borrower is not negatively impacted by this as their actual obligation for taxes and insurance will be lower when they go to pay this amount. Reviewer Comment (2019-04-17): Discounted amount for all 3 tax types are updated. Although the HOI premium is over-disclosed. Per deal settings the Property Cost Monthly Allowance is $.02. Provide a Corrected CD and Letter of Explanation to cure. Seller Comment (2019-04-17): Please see the attached tax cert, as well as the corresponding email from the Closing agent confirming the Borough taxes were paid on 4/27/2018. This should suffice to support utilizing the discounted figures for all 3 tax types. And again, the section of the CD asking to be updated is listed as an Estimated amount, that is currently $11.17 higher than it should be based on the HOI premium. As this loan is not impounded, and this box is just an estimated figure that is more conservative than the actual amount, a new CD should not be needed. Reviewer Comment (2019-04-12): City/Town (Borough) Taxes face amount is $2,647.69 annually. The County taxes (paid) were $2,108.18 with a face amount of $2,151.20 annually and School taxes were $8,210.07 (paid) with a face amount of $8,377.64. Total $2108.18 + 2647.69 + 8210.07 = $12965.94 / 12 = $1080.50/mo. It appears the discount amount of $2594.73 for the Borough taxes were used by the Lender on final CD. However, this does not match the Seller's CD or the tax bill which shows the Borough taxes not yet paid at the time of closing, the face amount is due since they were not paid earlier to receive the discount. The HOI is $1,666 per year ($138.33/mo) as reflected on the dec page and the final CD. A Corrected CD and Letter of Explanation provided to the Borrower are required to cure. Seller Comment (2019-04-11): Can you please confirm the calculation for the tax figures used to come up to $1080.49 per month? Also, though not exact, the amount used for the HOI premium was more than the actual amount so we amount used is more conservative and thus should not have any bearing on the file. The amount showing on the CD is listed only as estimated costs and is higher so we did not under disclose this amount to the borrower.   04/22/2019   2 B 02/08/2019 PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206435220 26384975 1828120522 11393543 26384975-6668 04/04/2019 Credit Missing Document General Missing Document: Desk Review not provided   Internal Desk Review as required per guidelines not found in file.     Reviewer Comment (2019-04-09): secondary product provided supporting origination value 04/09/2019     1 A 02/08/2019 PA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206435222 26384977 1829010692 11387597 26384977-2924 04/04/2019 Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided   The file does not contain a Fraud Report for both Borrowers.     Reviewer Comment (2019-04-09): guidelines do not require 04/09/2019     1 A 03/04/2019 OR Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435222 26384977 1829010692 11387685 26384977-23083 04/04/2019 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. (Meenakshi/Alagappan/2585008) Missing Third party verification. Using negative income.     Reviewer Comment (2019-04-11): A third party verification was provided Seller Comment (2019-04-11): Attached is the VOE completed on 2/19 and again on 2/26 showing that the borrower in question (xxxxx) has been employed since 11/28/2017 at their current employer,xxxxx. However, prior to that they were self-employed with xxxx. There is 1040s from 2016 and 2017 as well as a 2018 P&L/Balance Sheet which shows the two year history needed. 04/11/2019     1 A 03/04/2019 OR Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435222 26384977 1829010692 11387687 26384977-4436 04/04/2019 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/02/07/2019) Date the borrower's were provided a copy of the appraisal was not located in the file.     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 03/04/2019 OR Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435222 26384977 1829010692 11389558 26384977-2798 04/04/2019 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003   Missing Final 1003 loan application signed at closing.     Reviewer Comment (2019-04-11): Provided Seller Comment (2019-04-11): Attached is the final 1003 that was electronically signed, along with the rest of the non-compliance documents within the closing package. 04/11/2019     1 A 03/04/2019 OR Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435223 26384978 1829020009 11405008 26384978-6572 04/05/2019 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/02/07/2019) There was no evidence in the loan file that the lender provided the borrower a copy of the appraisal within 3 business days prior to closing as required. Further, no evidence of borrower signing a Acknowledgement of Receipt of Appraisal.     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 02/21/2019 CA Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435223 26384978 1829020009 11405009 26384978-4371 04/05/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/12/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/12/2019) The final Closing Disclosure issued on 02/12/2019 disclosed a closing date of 02/15/2019. However, since borrower elected to Electronically Close and did not sign the Note and Security Instrument until 02/19/2019 and all other documents on 02/21/2019.     Reviewer Comment (2019-04-08): Client Elects to waive     04/08/2019 2 B 02/21/2019 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206435223 26384978 1829020009 11405010 26384978-4376 04/05/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/12/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/02/12/2019) The final Closing Disclosure issued on 02/12/2019 disclosed a finance charge of $518,959.43, however the correct calculated finance charge is $520,525.33, which was $1,565.90 difference.     Reviewer Comment (2019-04-18): Lump sum credit applies to Non-Finance Charge then Finance Charges. No finance charge violation exists. Exception cleared. Seller Comment (2019-04-18): Thank You Reviewer Comment (2019-04-17): Loan has been escalated to the CSM. Seller Comment (2019-04-17): Can you please elaborate on what is meant by the client has elected not to apply any lump sum credit to finance charges? Reviewer Comment (2019-04-12): AMC received itemization of finance charges. There is not a discrepancy in the finance charge amount however the client has elected not to apply any lump sum credit to finance charges is reason of the exception. Please provide corrected CD, LOE, Refund Check, Re open Rescission, and Proof of Delivery to cure. Seller Comment (2019-04-11): Prepaid Finance Charges Worksheet attached. Please review which fees are listed as finance charges. Provident Funding applies lender credits to the total of all the non-apr fees first which is $1639 and then the remaining credit of $1564.50 is then applied to the total of the APR fees. Please rerun finance charge test as provided.       1 A 02/21/2019 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 A B B A A Safe Harbor QM Safe Harbor QM Yes
206435223 26384978 1829020009 11407094 26384978-4394 04/05/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/12/2019 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/02/12/2019) Lender used lower stated value.     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 02/21/2019 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206435223 26384978 1829020009 11408095 26384978-6668 04/05/2019 Credit Missing Document General Missing Document: Desk Review not provided   Internal desk review as required per guidelines not found in file.     Reviewer Comment (2019-04-09): secondary product provided supporting origination value 04/09/2019     1 A 02/21/2019 CA Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435223 26384978 1829020009 11524331 26384978-25319 04/18/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.       Reviewer Comment (2019-04-22): Client elects to waive. Reviewer Comment (2019-04-19): This exception is not curable and will remain an EV2 rating. There is a lender credit, but not specifically disclosed for a particular fee on CD. No documentation is needed or required. Seller Comment (2019-04-18): Please confirm there is nothing further needed on our end to clear this loan for purchase. Thanks.     04/22/2019 2 B 02/21/2019 CA Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435225 26384980 3829010206 11386485 26384980-2924 04/04/2019 Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided   The file was missing a copy of the required fraud report including all interested parties to the transaction.     Reviewer Comment (2019-04-09): Not required per lender guidelines 04/09/2019     1 A 03/07/2019 CO Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435225 26384980 3829010206 11387755 26384980-4436 04/04/2019 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/02/06/2019) No evidence of appraisal delivery is provided.     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 03/07/2019 CO Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206435225 26384980 3829010206 11387837 26384980-6623 04/04/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 02/25/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/02/25/2019) The Lender Contact Name is not disclosed on the consumer's final CD.     Reviewer Comment (2019-04-08): Client elects to waive     04/08/2019 2 B 03/07/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206435225 26384980 3829010206 11392076 26384980-2798 04/04/2019 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003         Reviewer Comment (2019-04-11): Provided Seller Comment (2019-04-11): Please see the attached final 1003 that was electronically signed at the same time as all of the other non-compliance documents. Thanks. 04/11/2019     1 A 03/07/2019 CO Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206573413 26390762 400313958 11473483 26390762-6623 04/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 03/12/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/03/12/2019) Final Closing Disclosure did not have contact information for the Lender and the license # of the contact NMLS ID. Please provide corrected Closing Disclsoure.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 03/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206573413 26390762 400313958 11473484 26390762-18604 04/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 03/12/2019 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/03/12/2019) The Seller Closing Disclosure and the Consumer Closing Disclosure both did not have any seller closing costs listed.     Reviewer Comment (2019-04-18): AMC reviewed exception. Per purchase agreement borrower is responsible for all closing costs. Exception Cleared. Seller Comment (2019-04-17): Please clear. Seller gave a $15,000.00 seller credit which is listed on the CD. There are no seller paid fees listed because there aren't any to list. thank you!! 04/18/2019     1 A 03/12/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206573413 26390762 400313958 11476618 26390762-4436 04/12/2019 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/03/08/2019) Evidence of borrower receipt was not found in the loan file.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 03/12/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206573414 26390763 400319735 11466827 26390763-25454 04/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Loan is to go into a secritization and reflects only one valuation produce when two are required.     Reviewer Comment (2019-04-18): Secondary product provided supporting original value 04/18/2019     1 A 03/12/2019 AZ Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206573414 26390763 400319735 11467599 26390763-6583 04/11/2019 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 $800.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) A cure of $125.00 was provided on the CD for the Appraisal fee increase.         04/11/2019   1 A 03/12/2019 AZ Primary Purchase Final CD evidences Cure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206573414 26390763 400319735 11473043 26390763-4371 04/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/12/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/12/2019) Non obligating spouse signed on the date of disbursement 3/14/2019     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 03/12/2019 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206573415 26390764 400318263 11468276 26390764-25454 04/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Required post close valuation was not evidenced in the loan file.     Reviewer Comment (2019-04-18): Secondary product provided supporting original value 04/18/2019     1 A 03/14/2019 CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206573415 26390764 400318263 11468741 26390764-6411 04/11/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/03/14/2019) Seller CD was not found in the loan file.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 03/14/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206573415 26390764 400318263 11470406 26390764-25506 04/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 12,481.68 on Final Closing Disclosure provided on 03/14/2019 not accurate. (Final/03/14/2019) The tax authority percentage provided was 1.15603 based on the sales price the annual taxes should be $10722.18 for a monthly cost of $893.51 however the final CD lists a cost of $896.15. The file is missing evidence of the variance as the title does not report any supplemental costs. The cost over year 1 would be $12450.03     Reviewer Comment (2019-04-17): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. 04/17/2019     1 A 03/14/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206573415 26390764 400318263 11470407 26390764-4673 04/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/14/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/764022) The tax authority percentage provided was 1.15603 based on the sales price the annual taxes should be $10722.18 for a monthly cost of $893.51 however the final CD lists a cost of $896.15. The file is missing evidence of the variance as the title does not report any supplemental costs.     Reviewer Comment (2019-04-17): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. 04/17/2019     1 A 03/14/2019 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 Safe Harbor QM Safe Harbor QM Yes
206573415 26390764 400318263 11470408 26390764-4612 04/12/2019 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 03/14/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/764022) The tax authority percentage provided was 1.15603 based on the sales price the annual taxes should be $10722.18 for a monthly cost of $893.51 however the final CD lists a cost of $896.15. The file is missing evidence of the variance as the title does not report any supplemental costs.     Reviewer Comment (2019-04-17): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. 04/17/2019     1 A 03/14/2019 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 Safe Harbor QM Safe Harbor QM Yes
206573416 26390765 400317076 11474289 26390765-2883 04/12/2019 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   Per title the annual taxes are $3522.75 however per the 1008 and final CD a monthly value of $1150.19 was used. The file is missing the taxing authority percentage and UW attestation to the value used as the year built is 2019 and possible new construction.     Reviewer Comment (2019-05-03): Tax amount used is higher than actual tax cert amount, however lender prepared the Initial Escrow Disclosure with same amounts as listed in the Projected Payment Table along with amount collected at close in Section G of the Final CD. Exception cleared. Reviewer Comment (2019-05-01): Please provide the estimate from the title company of $13,802.25 as discussed in email. Seller Comment (2019-04-30): Hello, may I have an update on this. an Email explaining Taxes was sent Thursday 4/25/19. Thank you Reviewer Comment (2019-04-22): Tax Cert reflects $3423.03 per year or $285.25 per month. Tax worksheet provided shows millage rate of .0109 for Fairfax County. $1,195,000 x .0109 = $13,025.50 annually or $1085.46 per month. Lender used $1150.19 per month. Documentation provided does not support tax figure used by lender. Exception remains. 05/03/2019     1 A 03/25/2019 VA Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
206573417 26390766 400280930 11468287 26390766-24188 04/11/2019 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 $126.00 on Final Closing Disclosure provided on 03/26/2019 not accurate. (Final/03/26/2019) An annual fee of $126 was disclosed on the final CD. Per the title a statement "the property may be located in a common interest community" is stated however the loan images are missing any verification of this cost. Per the CD a fee of $150.00 was collected for HOA transfer fee     Reviewer Comment (2019-04-23): AMC received an attestation for the non-escrowed property costs over year 1 listed on page 4 of CD are for annual metro district assessments, not a part of the taxes. Seller Comment (2019-04-23): This property is not located in an HOA, it is a metro district. There is an estoppel fee and transfer fee collected, and a quarterly fee (the $126 non-escrowed annual fee) is also disclosed in association with the metro district. 04/23/2019     1 A 03/27/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Safe Harbor QM Safe Harbor QM Yes
206573417 26390766 400280930 11468348 26390766-25454 04/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-18): secondary product provided supporting original value 04/18/2019     1 A 03/27/2019 CO Primary Purchase   C A A A C A C A Safe Harbor QM Safe Harbor QM No
206573418 26390767 400315195 11475895 26390767-3495 04/12/2019 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/03/26/2019) The appraisal in the loan file was completed on 03/26/2019, however evidence in the loan file reflects the appraisal was provided to the borrower on 02/15/2019, which was after the inspection was completed but prior to the appraisal being completed.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 03/28/2019 CO Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206573419 26390768 400316444 11467266 26390768-25454 04/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-18): Secondary product provided 04/18/2019     1 A 03/15/2019 CA Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206573419 26390768 400316444 11467462 26390768-4371 04/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/15/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/15/2019) Closing date was 03/20/2019     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 03/15/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206573420 26390769 400324137 11470186 26390769-25454 04/12/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   The required second valuation is missing from the loan file.     Reviewer Comment (2019-04-18): Secondary product provided 04/18/2019     1 A 03/27/2019 FL Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206573420 26390769 400324137 11470278 26390769-4371 04/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/27/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/27/2019) Loan documents are date 3/27/2019 but were not signed until 3/28/2019.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 03/27/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206573420 26390769 400324137 11470330 26390769-7455 04/12/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Kapadia,Ajay Ajay Kapadia, DMD, MSD, LLC/S-Corp) 2018 personal tax return (1040) not signed.     Reviewer Comment (2019-04-19): 2018 Signed personal returns provided. Exception cleared. Seller Comment (2019-04-18): Can you please review the documents provided? Seller Comment (2019-04-15): Please see attached signed 2018 1040 04/19/2019     1 A 03/27/2019 FL Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206573420 26390769 400324137 11470334 26390769-3867 04/12/2019 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. 2018 personal tax return (1040) not signed.     Reviewer Comment (2019-04-19): 2018 Signed personal returns provided. Exception cleared. Seller Comment (2019-04-18): Can you please review documents provided? Seller Comment (2019-04-15): Please see attached signed 2018 1040 04/19/2019     1 A 03/27/2019 FL Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206573420 26390769 400324137 11475249 26390769-2883 04/12/2019 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided   Per the taxing authority rate, the total Ad Valorem tax is 16.7263 based on the new sales price of $575,504.00 the annual taxes would be $9626.05 for a month cost of $802.17 however per the final CD and 1008 a monthly value of $599.43 was used which would be an annual cost of $7193.16. The file is missing the UW calculations and updated taxing authority or evidence what the taxes were based upon.     Reviewer Comment (2019-04-19): Lender utilized 1.25% of purchase price which is $599.48 per month. Exception cleared. Seller Comment (2019-04-18): Can you please review documents provided? Seller Comment (2019-04-15): Please see attached tax rate calculation 04/19/2019     1 A 03/27/2019 FL Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206573420 26390769 400324137 11535542 26390769-25506 04/19/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 8,776.20 on Final Closing Disclosure provided on 03/27/2019 not accurate. (Final/03/27/2019) Lender provided documentation that 1.25% was used for tax payment which equates to $599.48/month. Per 1008 lender used $599.43. Lender monthly payment used is $731.35. Review monthly payment is $731.40. Difference due to discrepancy in tax amount.     Reviewer Comment (2019-04-22): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-04-19): This is new construction and the taxes are an estimate. The difference of $0.05 over a year is only $0.60 and the escrow account will be re-assessed when the actual tax bill is available. Please waive this condition. 04/22/2019     1 A 03/27/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206573420 26390769 400324137 11535543 26390769-4673 04/19/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/27/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/764859) Lender provided documentation that 1.25% was used for tax payment which equates to $599.48/month. Per 1008 lender used $599.43. Lender monthly payment used is $731.35. Review monthly payment is $731.40. Difference due to discrepancy in tax amount.     Reviewer Comment (2019-04-22): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-04-19): This is new construction and the taxes are an estimate. The difference of $0.05 over a year is only $0.60 and the escrow account will be re-assessed when the actual tax bill is available. Please waive this condition. 04/22/2019     1 A 03/27/2019 FL 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 C A Safe Harbor QM Safe Harbor QM Yes
206573420 26390769 400324137 11535544 26390769-4612 04/19/2019 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 03/27/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/764859) Lender provided documentation that 1.25% was used for tax payment which equates to $599.48/month. Per 1008 lender used $599.43. Lender monthly payment used is $731.35. Review monthly payment is $731.40. Difference due to discrepancy in tax amount.     Reviewer Comment (2019-04-22): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-04-19): This is new construction and the taxes are an estimate. The difference of $0.05 over a year is only $0.60 and the escrow account will be re-assessed when the actual tax bill is available. Please waive this condition. 04/22/2019     1 A 03/27/2019 FL 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 C A Safe Harbor QM Safe Harbor QM Yes
206573422 26390771 400286645 11466953 26390771-3495 04/11/2019 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/03/20/2019) The appraisal available in loan file is dated 03/20/2019. According to the appraiser comments on the addendum, states it was updated on 03/20/2019. Therefore, there was an appraisal completed prior to 03/20/2019, which was on 02/26/2019. However the copy of the appraisal is not available and the loan file only contains evidence that the initial appraisal was sent to borrower on 03/04/2019 prior to the final appraisal report. There is no other evidence in loan file that the updated appraisal was sent to borrower after completion.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 04/02/2019 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206573422 26390771 400286645 11466954 26390771-4371 04/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/29/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/29/2019) The Final Closing Disclosure issued 03/29/2109 disclosed the scheduled closing date as 04/02/2019, however the closing occurred the day after on 04/03/2018.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 04/02/2019 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206573422 26390771 400286645 11467017 26390771-25454 04/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Post-Close Valuation was not provided as required by credit guidelines, since the Collateral Underwriting review risk score was higher than 2.5.     Reviewer Comment (2019-04-18): secondary product provided 04/18/2019     1 A 04/02/2019 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206573423 26390772 400241078 11466962 26390772-3495 04/11/2019 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/03/20/2019)       Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 04/03/2019 AZ Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206573423 26390772 400241078 11466967 26390772-4371 04/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/03/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/03/2019) Final disclosure reflects a closing date of 04/03/2019, document was executed on 04/04/2019.     Reviewer Comment (2019-04-18): Client elects to waive.     04/18/2019 2 B 04/03/2019 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
206573423 26390772 400241078 11467080 26390772-25454 04/11/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Per the guideline a desk review is required on this review due to the collateral UW (CU) score being greater than 2.5. The DU indicates the Collateral UW risk score being 4.3.     Reviewer Comment (2019-04-18): secondary product provided 04/18/2019     1 A 04/03/2019 AZ Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206573424 26390773 400295045 11729468 26390773-6677 05/06/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Brett/Stagg/2656713) Self employment documented via transcripts and gap letters provided.     Reviewer Comment (2019-05-08): Tax returns in file confirm 2 year history. Exception cancelled.       1 A 04/24/2019 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206573424 26390773 400295045 11729470 26390773-3867 05/06/2019 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 (2019-05-08): Discount point worksheet provided. Discount points are Bona Fide and can be excluded. Exception cleared. 05/08/2019     1 A 04/24/2019 CO Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206573424 26390773 400295045 11729471 26390773-6623 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/24/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/04/24/2019) Contact Information: Final Closing Disclosure provided on 04/24/2019 did not disclose the required Lender Contact Information.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 04/24/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206573424 26390773 400295045 11730125 26390773-2683 05/06/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.03479% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,008.40 on a Federal Total Loan Amount of $560,447.07 vs. an allowable total of $16,813.41 (an overage of $194.99 or .03479%). Points and Fees on subject loan of 3.03479% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $17,008.40 on a Federal Total Loan Amount of $560,447.07 vs. an allowable total of $16,813.41.     Reviewer Comment (2019-05-08): Discount point worksheet provided. Discount points are Bona Fide and can be excluded. Exception cleared. Seller Comment (2019-05-08): Bona Fide 05/08/2019     1 A 04/24/2019 CO 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
206573424 26390773 400295045 11776662 26390773-24137 05/08/2019 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. (Brett/Stagg/2656713) Missing explicit dates from Schedule C employment.     Buyer Comment (2019-05-13): Ok to accept. 2017 and 2018 Sch C is on tax returns with consistent income.     05/13/2019 2 B 04/24/2019 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206573426 26390775 400330239 11525736 26390775-3495 04/18/2019 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/04/01/2019) Appraisal provided 3/22. Appraisal report date is 4/1/2019.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 04/08/2019 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206573426 26390775 400330239 11525739 26390775-3867 04/18/2019 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 failing for Missing Third Party verification for Derek Frank from previous Sch C income to confirm dates fro 07/31/17 - 10/01/2017.     Reviewer Comment (2019-05-03): 2017 signed returns in file confirming employment. Exception cancelled. Reviewer Comment (2019-05-03): This transaction is a Safe Harbor QM and subject to Appendix Q documentation requirements. Received VVOE in trailing docs however dates are Post close. Third Party verification for Sch C needed to be done before loan was closed. Exceptions remains.       1 A 04/08/2019 CA Primary Purchase Lender to provide updated ATR/QM status B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206573426 26390775 400330239 11525789 26390775-6677 04/18/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Derek/Frank/2606159) We have LOE provided by borrower however we're Missing Third Party verification for Derek Frank from previous Sch C income to confirm dates fro 07/31/17 - 10/01/2017.     Reviewer Comment (2019-05-03): 2017 signed returns in file confirming employment. Exception cancelled. Reviewer Comment (2019-05-03): This transaction is a Safe Harbor QM and subject to Appendix Q documentation requirements. Received VVOE in trailing docs however dates are Post close. Third Party verification for Sch C needed to be done before loan was closed. Exceptions remains.       1 A 04/08/2019 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206573426 26390775 400330239 11526748 26390775-25279 04/18/2019 Credit Credit Credit Documentation Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification. Credit Report: Original // Liability Type: Revolving / Current Balance: $595.00 / Line Limit: $3,800.00 Authorized user liability has been excluded. Informational exception.     Reviewer Comment (2019-05-07): Informational only. Exception cancelled.       1 A 04/08/2019 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206573426 26390775 400330239 11700754 26390775-24137 05/03/2019 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. (Derek/Frank/2606159) Missing explicit verification of dates borrower was receiving Schedule C income, however 2017 returns verify business income.     Reviewer Comment (2019-05-09): Client elects to waive     05/09/2019 2 B 04/08/2019 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206573431 26390780 400309458 11516658 26390780-25454 04/17/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-04-24): Desk review provided with no variance. Exception cleared. 04/24/2019     1 A 04/08/2019 CA Primary Purchase   C A A A A A C A Safe Harbor QM Safe Harbor QM No
206573431 26390780 400309458 11516873 26390780-6583 04/17/2019 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 $810.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Tolerance cure in the amount of $210 was provided at closing.         04/17/2019   1 A 04/08/2019 CA Primary Purchase Final CD evidences Cure C A A A A A C A Safe Harbor QM Safe Harbor QM Yes
206666789 26490531 300141553 11575993 26490531-3495 04/24/2019 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/02/15/2019) The appraisal included 2 copies, 2 dates. The borrower received the initial copy as provided.     Reviewer Comment (2019-04-26): Client elects to waive.     04/26/2019 2 B 02/26/2019 TN Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206666789 26490531 300141553 11575995 26490531-4826 04/24/2019 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 02/25/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/25/2019) The total closing costs exceed limits as Transfer Taxes changed without sufficient cure or a valid change of circumstance in the loan file.     Reviewer Comment (2019-04-26): Client elects to waive.     04/26/2019 2 B 02/26/2019 TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206666789 26490531 300141553 11575997 26490531-6542 04/24/2019 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 $5,750.45 exceeds tolerance of $5,222.00. Insufficient or no cure was provided to the borrower. (8304) A valid change of circumstance or cure was not provided for the transfer tax fee violation of $528.45.     Reviewer Comment (2019-05-10): AMC received 02/14 COC. Exception Cleared. Seller Comment (2019-05-09): COC from 07/30/18 for increase in SP and LA, increased transfer taxes and again COC for Increase in SP and LA on 02/14/19 increased transfer taxes. Both COC are valid--no cure needed for transfer taxes 05/10/2019     1 A 02/26/2019 TN 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
206666789 26490531 300141553 11813935 26490531-6583 05/10/2019 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 $258.25 exceeds tolerance of $40.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) A cure was provided on the Final CD. Exception Cured.         05/10/2019   1 A 02/26/2019 TN Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206666791 26490539 300064052 11566958 26490539-2808 04/23/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   None found     Reviewer Comment (2019-05-14): Provided 05/14/2019     1 A 12/28/2018 IN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206666791 26490539 300064052 11574432 26490539-4371 04/23/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/27/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/27/2018) Notary date is 12/28/18.     Reviewer Comment (2019-04-26): Client elects to waive.     04/26/2019 2 B 12/28/2018 IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206666791 26490539 300064052 11585378 26490539-24137 04/24/2019 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. (Robert/Lang/2613490) Missing prior employer VVOE to confirm the dates without Gap in employers.     Reviewer Comment (2019-05-01): Client has elected to waive     05/01/2019 2 B 12/28/2018 IN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206666791 26490539 300064052 11585379 26490539-24137 04/24/2019 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. (Caron/Lang/2613491) Missing prior employer VVOE to confirm the dates without Gap in employers.     Reviewer Comment (2019-05-01): Client has elected to waive     05/01/2019 2 B 12/28/2018 IN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206666791 26490539 300064052 11585380 26490539-20000 04/24/2019 Compliance Compliance Federal Compliance TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. Disclosure was not evidenced in the loan file     Reviewer Comment (2019-04-26): Client elects to waive.     04/26/2019 2 B 12/28/2018 IN Primary Purchase Good faith redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206666791 26490539 300064052 11585381 26490539-24188 04/24/2019 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 $2,339.26 on Final Closing Disclosure provided on 12/27/2018 not accurate. (Final/12/27/2018) Final CD reflects the amount of non-escrowed property costs over year 1 as $2,339.26 but the calculated amount of non-escrowed property costs over year 1 is $640.00.     Reviewer Comment (2019-05-14): The HOA and HOI cost were calculated at the higher cost for the HOI per the premium. Seller Comment (2019-05-14): HOA = 640/YR - On pg 7 of upload Seller Comment (2019-05-14): Figure represents 11months of: 53.33/Mo for HOA and 159.33 for Hazard Insurance Reviewer Comment (2019-05-10): HOA fees are stated in the 1004 as $640 annually. The final CD indicates non-escrowed property costs as $2339.26. Please forward documentation to support the entry or a PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-09): Please explain error as loan is escrowed 05/14/2019     1 A 12/28/2018 IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206666791 26490539 300064052 11585382 26490539-7038 04/24/2019 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/12/27/2018) Initial CD was received on 12/27/18, which is not 3 days prior to closing of 12/28/18.     Reviewer Comment (2019-05-10): AMC received required documents, exception is cleared. Seller Comment (2019-05-09): Initial CD dated 12/14/18 05/10/2019     1 A 12/28/2018 IN Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206666791 26490539 300064052 11585383 26490539-3880 04/24/2019 Compliance Compliance Federal Compliance TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $15,743.34 may be required. Loan Estimate was not found in the loan file.     Reviewer Comment (2019-05-10): AMC received required documents, exception is cleared. Seller Comment (2019-05-09): Loan Estimates in file; please re-review 05/10/2019     1 A 12/28/2018 IN Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206666791 26490539 300064052 11585451 26490539-25824 04/24/2019 Compliance Compliance Federal Compliance Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. Application date is 01/23/18 and Loan originator license reflects an effective date of 02/19/18.     Reviewer Comment (2019-05-14): The issue date and status date are confimed Seller Comment (2019-05-13): uploaded Reviewer Comment (2019-05-09): Information received is not for license # xxx. Please re-send. 05/14/2019     1 A 12/28/2018 IN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206667355 26490950 9748258556 11581301 26490950-4436 04/24/2019 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/03/20/2019) Proof of appraisal delivery not evidenced in loan file.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/10/2019 MD Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667356 26490951 9756321445 11566151 26490951-4371 04/23/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/01/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/01/2019) Security instrument was notarized 4/2/2019.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/01/2019 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
206667357 26490952 9765719449 11557712 26490952-6468 04/23/2019 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/02/11/2019) Seller fees from consumer's final CD are $43,341.52. Seller fees from seller's CD are $39,966.52.     Reviewer Comment (2019-05-02): AMC received Letter of Explanation & Corrected Closing Disclosure.   05/02/2019   1 A 02/11/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes
206667357 26490952 9765719449 11557881 26490952-22154 04/23/2019 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 02/12/2019, Transaction Date: 02/11/2019 Notary date is 2/11/2019. Hazard effective date is 2/12/2019.     Reviewer Comment (2019-05-10): Received, condition cleared 05/10/2019     1 A 02/11/2019 CA Primary Purchase   C B C A C B A A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) No
206667357 26490952 9765719449 11581459 26490952-4826 04/24/2019 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 02/11/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/11/2019) 10% fee tolerance exceeded by $881.90. No cure found on final CD.     Reviewer Comment (2019-05-02): AMC received Letter of Explanation & Corrected Closing Disclosure.   05/02/2019   2 B 02/11/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes
206667357 26490952 9765719449 11581460 26490952-6543 04/24/2019 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 $4,205.00 exceeds tolerance of $3,021.00 plus 10% or $3,323.10. Insufficient or no cure was provided to the borrower. (0) 10% fee tolerance exceeded by $881.90. No cure found on final CD.     Reviewer Comment (2019-05-02): AMC received LOE and PCCD.   05/02/2019   2 B 02/11/2019 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 HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) Yes
206667357 26490952 9765719449 11581642 26490952-5404 04/24/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Omar Arriaran Lora Transcripts (2017)       Reviewer Comment (2019-05-10): Received, condition cleared. 05/10/2019     1 A 02/11/2019 CA Primary Purchase   C B C A C B A A Temporary HPQM (GSE/Agency Eligible) Temporary HPQM (GSE/Agency Eligible) No
206667359 26490954 9786126400 11566601 26490954-6543 04/23/2019 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 $1,775.00 exceeds tolerance of $1,455.00 plus 10% or $1,600.50. Insufficient or no cure was provided to the borrower. (0) Lender provided a $174.50 cure at close for the recording fees.     Reviewer Comment (2019-04-25): Cure provided at closing 04/25/2019     1 A 03/22/2019 NY Primary Purchase 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 C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667359 26490954 9786126400 11567122 26490954-4826 04/23/2019 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 03/22/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/22/2019) There is no tolerance violation. Lender provided $174.50 cure at close for the recording fees and the transfer tax overage was due to seller paid portion being included in the tolerance.     Reviewer Comment (2019-04-25): Cure provided at closing 04/25/2019     1 A 03/22/2019 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667359 26490954 9786126400 11589772 26490954-25454 04/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): No variance. 05/01/2019     1 A 03/22/2019 NY Primary Purchase   C A A A C A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667360 26490955 9717895701 11567056 26490955-5180 04/23/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/02/2019 did not disclose number of months for Property Tax under Prepaids. (Final/04/02/2019) The number of months was reflected as 0.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/02/2019 NY Primary Purchase 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
206667360 26490955 9717895701 11567905 26490955-25454 04/23/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 04/02/2019 NY Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667360 26490955 9717895701 11587956 26490955-5404 04/25/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Andrew Lobasso, Borrower: Katie Lobasso VVOE - Employment Only VVOE - Employment Only VVOE dated within 10 days of closing as required per AUS not found in file.     Reviewer Comment (2019-05-03): Received vvoe dated 03/28/19 for both borrowers 05/03/2019     1 A 04/02/2019 NY Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667360 26490955 9717895701 11587957 26490955-25838 04/25/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx, Address: xxxxx Insurance Verification Insurance Verification       Reviewer Comment (2019-05-03): Received insurance verification for both properties 05/03/2019     1 A 04/02/2019 NY Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667361 26490956 9719440654 11578164 26490956-2909 04/24/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided   Not found in the file.     Reviewer Comment (2019-05-14): HELOC provided Reviewer Comment (2019-05-03): L4 shows net loan proceeds. This is a purchase and the 2nd lien was being used as purchase money. Need copy of subordinate lien note to clear. Seller Comment (2019-05-01): section L4 on final CD shows the second lien being paid, please advise what is needed to clear 05/14/2019     1 A 03/29/2019 VA Primary Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667362 26490957 9743070246 11576978 26490957-4436 04/24/2019 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/03/22/2019) Evidence of receipt or acknowledgment of document not found.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/26/2019 CA Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667362 26490957 9743070246 11577102 26490957-5404 04/24/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Rafiq Gillani 1084 or income worksheet Missing required cash flow analysis worksheet for Asrg Holdings.     Reviewer Comment (2019-05-03): Source of income was verified with 2 years tax returns in file and is not required per AUS.       1 A 03/26/2019 CA Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667364 26490961 9729539974 11577763 26490961-4371 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/04/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/04/2019) Notary date is 04/05/19.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/04/2019 CA Primary Refinance - Rate/Term 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
206667364 26490961 9729539974 11577853 26490961-2666 04/24/2019 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 04/09/2019, prior to three (3) business days from transaction date of 04/05/2019. Subject loan transaction disbursed on Tuesday, 04/09/2019, prior to three (3) business days from transaction date of Friday, 04/05/2019.     Reviewer Comment (2019-05-14): A revised CD with LOE from lender was provided Seller Comment (2019-05-14): please advise on condition , thanks 05/14/2019     1 A 04/04/2019 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 C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667364 26490961 9729539974 11588485 26490961-2802 04/25/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003         Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/04/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667364 26490961 9729539974 11588746 26490961-25454 04/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 04/04/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667364 26490961 9729539974 11588764 26490961-4436 04/25/2019 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/03/25/2019) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/04/2019 CA Primary Refinance - Rate/Term   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667366 26490966 9715571296 11589013 26490966-5404 04/25/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Jelani Brandon, Borrower: Angela Brandon VVOE - Employment Only VVOE - Employment Only VVOE dated within 10 days of closing as required per AUS not found in file.     Reviewer Comment (2019-05-03): Received VVOE dated 03/26/19 for both borrowers 05/03/2019     1 A 04/01/2019 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667366 26490966 9715571296 11589022 26490966-4436 04/25/2019 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/03/07/2019) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/01/2019 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667367 26490968 9745876509 11581814 26490968-23895 04/24/2019 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/04/01/2019) Final revised loan estimate dated 04/01/2019 was generated after the initial closing disclosure dated 02/28/2019 and next closing disclosure dated 03/29/2019. Proof of delivery/ receipt not found in file.     Reviewer Comment (2019-05-16): LE issued in error and CD was issued. 05/16/2019     1 A 04/03/2019 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
206667367 26490968 9745876509 11581815 26490968-3988 04/24/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 04/01/2019 not received by borrower at least four (4) business days prior to closing. (Interim/04/01/2019) Revised Loan Estimate provided on 04/01/2019 not received by borrower at least four (4) business days prior to closing. (Interim/04/01/2019) Proof of delivery/ receipt not found in file.     Reviewer Comment (2019-05-13): Exception cleared per client comments and attestation. Seller Comment (2019-05-10): The 4/1 COC form was issued by the wholesale originator and was in reference to the loan amount increase between the 3/29 COC CD and the 4/02 COC CD that were re-disclosed to the borrower by Caliber. No additional loan estimates were issued after the initial was sent on 02/28 and the broker COC form was not needed and uploaded in error 05/13/2019     1 A 04/03/2019 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
206667367 26490968 9745876509 11581830 26490968-6411 04/24/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/04/03/2019) Seller Closing Disclosure not located in the file.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/03/2019 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
206667367 26490968 9745876509 11581853 26490968-25503 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,984.32 on Final Closing Disclosure provided on 04/03/2019 not accurate. (Final/04/03/2019) Lender utilized $48.91 for monthly hazard insurance premium, however actual is $48.92.     Reviewer Comment (2019-05-16): A PCCD was provided to the borrower correcting the cost estimate year 1 Seller Comment (2019-05-15): PCCD Reviewer Comment (2019-05-13): AMC breakdown calculates at $13,080.94. Seller Comment (2019-05-10): additional information is needed. The HOI included appears to be accurate and the breakdown for Annual figures is: Property Tax $9,037.32 + HOI $587 + HOA $3,360 = $12,984.32. As this is a new home purchase in CA the property tax is typically calculate as 1.25% of the purchase price ($730,707) which would give us $9,133.84 for property tax with an estimated total of $13,080.84. Please provide full breakdown   05/16/2019   2 B 04/03/2019 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
206667367 26490968 9745876509 11582025 26490968-25454 04/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 04/03/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667367 26490968 9745876509 11588513 26490968-4866 04/25/2019 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 (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/03/2019 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
206667367 26490968 9745876509 11589369 26490968-4436 04/25/2019 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/02/28/2019) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/03/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667369 26490970 9772013836 11580046 26490970-22154 04/24/2019 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 04/10/2019, Transaction Date: 04/08/2019 Effective date of HOI policy is 4/10/19 which is after the consummation date is 4/8/19 therefore property was not insured at the time of closing. Please provide evidence property was insured at closing. 773 FICO 16 months reserves Aggregator Aggregator Reviewer Comment (2019-05-14): Client elects to waive.     05/14/2019 2 B 04/08/2019 CA Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667369 26490970 9772013836 11580107 26490970-4436 04/24/2019 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/03/28/2019) Evidence of when borrower received appraisal is not included in file.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/08/2019 CA Primary Purchase   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667369 26490970 9772013836 11590352 26490970-6411 04/25/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/04/08/2019) Seller disclosure was not provided in loan file.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/08/2019 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
206667369 26490970 9772013836 11590353 26490970-6582 04/25/2019 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 $200.00 exceeds tolerance of $146.00 plus 10% or $160.60. Sufficient or excess cure was provided to the borrower at Closing. (0) Acknowledged.         04/25/2019   1 A 04/08/2019 CA Primary Purchase Final CD evidences Cure C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667370 26490973 9791413967 11576998 26490973-6542 04/24/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $34.00 exceeds tolerance of $28.00. Insufficient or no cure was provided to the borrower. (7520) Cure of $6 was provided on the Final CD. Please override this exception.     Reviewer Comment (2019-04-25): The lender provided a credit to cure the overage charge for the credit report at the time of closing.   04/25/2019   2 B 03/30/2019 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
206667370 26490973 9791413967 11577027 26490973-25513 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,231.50 on Final Closing Disclosure provided on 03/30/2019 not accurate. (Final/03/30/2019) The Amount of Estimated Property Costs over Year 1 should be $9,146.64 (HOI $97.42 + Taxes $588.54 + MIP $76.26 = $762.22 x 12 = $9,146.64). Seller to please provide an Updated CD and Letter of Explanation to the Borrower.     Reviewer Comment (2019-05-16): A PCCD was provided correcting the estimated cost year 1 Seller Comment (2019-05-15): PCCD Reviewer Comment (2019-05-11): PCCD provided dated 04/26/2019 did not have the property costs over 1 year updated and remained the same as Final CD in the amount of $8231.50. Monthly breakdown for calculation is HOI $97.42 + Taxes $588.54 + MIP $76.26 = $762.22/ monthly. AMC accepts a 10, 11, or 12 month calculation using the monthly amount of $762.22 for property costs over 1 year. Exception remains. Reviewer Comment (2019-05-02): AMC received PCCD however the total property costs over 1 year is not corrected. HOI $1317 and Taxes $7062.50 =$8379.50. Please provide or reference calculation used or corrected CD and LOE to cure.   05/16/2019   2 B 03/30/2019 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
206667371 26490974 9705730373 11574416 26490974-6459 04/23/2019 Credit Credit Credit Eligibility There are red flags on the fraud report that have not been addressed Credit Report: Original // Borrower: Ryan A Anderson Provided evidence the red flag items were all cleared prior to closing.     Reviewer Comment (2019-05-03): Received Attestation Checklist verifying red flags. Issue cleared. 05/03/2019     1 A 04/02/2019 CA Primary Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667372 26490975 9707129491 11581653 26490975-25454 04/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 8.00% variance 05/01/2019     1 A 04/05/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667372 26490975 9707129491 11581730 26490975-25580 04/24/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/25/2019) Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/05/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667372 26490975 9707129491 11581731 26490975-4371 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/05/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/05/2019) The final Closing Disclosure reflects a Closing Date of 04/05/2019 but the transaction consummation mortgage notary date was 04/07/2019 Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/05/2019 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
206667372 26490975 9707129491 11581733 26490975-7038 04/24/2019 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/04/02/2019) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.     Reviewer Comment (2019-05-01): Evidence of earlier receipt has been provided. 05/01/2019     1 A 04/05/2019 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
206667372 26490975 9707129491 11591257 26490975-4702 04/25/2019 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: JPMorgan Chase Bank N.A. / End Date: 01/04/2019 // Account Type: Checking / Account Number: 2032, Financial Institution: JPMorgan Chase Bank N.A. / End Date: 12/31/2018 // Account Type: Savings / Account Number: 0225 Two months statements required and only one months was provided     Reviewer Comment (2019-05-03): AUS only requires 1 month       1 A 04/05/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667374 26490977 9715578564 11574369 26490977-4702 04/23/2019 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: Raymond James / End Date: 02/28/2019 // Account Type: Individual Development Account / Account Number: 4257, Financial Institution: Raymond James / End Date: 02/28/2019 // Account Type: Individual Retirement Account (IRA) / Account Number: 6134       Reviewer Comment (2019-05-03): Received 2 mos verification for all assets used. 05/03/2019     1 A 04/02/2019 WA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667374 26490977 9715578564 11574472 26490977-4371 04/23/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/02/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/02/2019) Note, Final CD reflect 4-2-2019 with borrower signature 4-4-2019     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/02/2019 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
206667375 26490978 9718379846 11580680 26490978-5404 04/24/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower:xxxxx (2017)       Reviewer Comment (2019-05-14): Per LOE the borrower changed income sourcing type in 2017 Seller Comment (2019-05-14): Please advise on comment entered 5/9 advising there is not 1065 for 2017- thanks Seller Comment (2019-05-09): There is no 1065 for this year. They switched from a Partnership 1065 in 2016 to an S Corp 1120S in 2017. Reviewer Comment (2019-05-03): Missing 2017 1065 for MedRacs Partnership. Exception remains. Seller Comment (2019-05-01): please provide addt detail on missing income 05/14/2019     1 A 03/27/2019 MA Primary Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667375 26490978 9718379846 11580936 26490978-25513 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,257.10 on Final Closing Disclosure provided on 03/27/2019 not accurate. (Final/03/27/2019) Lender utilized monthly hazard insurance premium of $56.60, whereas the actual premium is $135.83 per invoice in file.     Reviewer Comment (2019-05-08): Verified per tax cert in file, the quarterly tax amounts are not the same. Taxes should have been entered as annual. 05/08/2019     1 A 03/27/2019 MA Primary Refinance - Cash-out - Other 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
206667377 26490980 9722042752 11584361 26490980-5180 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/05/2019 did not disclose number of months for Property Tax under Prepaids. (Final/04/05/2019) CD reflects 0 for months.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/05/2019 NY 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
206667377 26490980 9722042752 11584368 26490980-6411 04/24/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/04/05/2019) Missing seller disclosure     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/05/2019 NY 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
206667377 26490980 9722042752 11584382 26490980-6542 04/24/2019 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 $8,796.00 exceeds tolerance of $8,616.00. Insufficient or no cure was provided to the borrower. (8304) Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $8,796.00 exceeds tolerance of $8,616.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-04-26): Seller pays a portion of transfer tax 04/26/2019     1 A 04/05/2019 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667378 26490981 9728553612 11592915 26490981-4436 04/25/2019 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/03/28/2019) Evidence of borrower's receipt of the appraisal was not provided in the loan file.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/02/2019 CA Primary Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667379 26490982 9728832867 11583703 26490982-25454 04/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 04/01/2019 CO Primary Refinance - Limited Cash-out GSE   C A A A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667380 26490983 9730062115 11578280 26490983-4613 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/25/2019 did not disclose number of months for homeowner's insurance under Prepaids. (Final/03/25/2019) verified final CD shows 0 for months     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/25/2019 VA 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
206667380 26490983 9730062115 11578282 26490983-4850 04/24/2019 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 03/25/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/25/2019) No cure provided at closing     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/25/2019 VA 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
206667380 26490983 9730062115 11578286 26490983-6543 04/24/2019 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 $2,370.77 exceeds tolerance of $1,920.00 plus 10% or $2,112.00. Insufficient or no cure was provided to the borrower. (0) No cure provided at closing     Reviewer Comment (2019-05-14): The lender provided a PCCD dated 5/8/2019 with an LOE and check for the cure of $258.77   05/14/2019   2 B 03/25/2019 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 C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667382 26490985 9734706139 11577883 26490985-25454 04/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 03/11/2019 NJ Primary Refinance - Limited Cash-out GSE   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667382 26490985 9734706139 11577967 26490985-24983 04/24/2019 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. Title report reflects Jersey Mortgage Company as lender at origination of mortgage paid off at closing.     Reviewer Comment (2019-05-14): Letter of Explanation, Proof of Delivery via borrowers' signature on updated ROR form provided. Exception cured. Reviewer Comment (2019-05-14): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Seller Comment (2019-05-14): the original form was used from closing and the rescission date was updated, please confirm this is not acceptable. Reviewer Comment (2019-05-13): H-9 form and LOE provided. Missing proof of delivery as borrower signature reflects 05/01/2019, however form is dated 05/11/2019. Exception remains.   05/14/2019   2 B 03/11/2019 NJ Primary Refinance - Limited Cash-out GSE 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 Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667383 26490986 9736081408 11587941 26490986-25454 04/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-16): Desk review provided. 05/16/2019     1 A 04/01/2019 WA Primary Refinance - Rate/Term   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667383 26490986 9736081408 11588203 26490986-7042 04/25/2019 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.       Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/01/2019 WA 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 B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667385 26490988 9739331354 11580460 26490988-4371 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/01/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/01/2019) Final CD reflects closing date of 4/1/19. Loan was consummated on 4/2/19.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/01/2019 WA 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
206667386 26490989 9740456935 11583285 26490989-4371 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/03/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/03/2019) The final Closing Disclosure reflects a Closing Date of 04/03/2019 but the transaction consummation mortgage notary date was 04/04/2019. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/03/2019 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
206667386 26490989 9740456935 11614859 26490989-5367 04/26/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 36.45680% exceeds AUS total debt ratio of 32.95000%. Lender used qualifying income of $9,716.67, whereas the actual is $7,916.67 per documents in file for Borrower.     Reviewer Comment (2019-05-14): Updated AUS with the higher DTI approval was provided Reviewer Comment (2019-05-09): Received LOX from lender Please provide updated AUS and loan approvals as they were not received for this condition. Lender approved income is $7,916.67 Seller Comment (2019-05-07): 5/7 please review updated documents with the income updated to match $7916.67 Seller Comment (2019-05-07): Please notice the income has been updated to 7916.67, previously submitted. Reviewer Comment (2019-05-03): Offer letter states salary is $95k per year 95000/12= $7916.67. Paystub also reflects $3,653.84 x 26 / 12 = $7916.67. Exception remains. Seller Comment (2019-05-01): please provide calculations used for condition 05/14/2019     1 A 04/03/2019 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667387 26490990 9742545107 11587507 26490990-3867 04/25/2019 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. Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2019-05-07): Bona Fide Discount Point worksheet provided and can be excluded. Exception cleared. 05/07/2019     1 A 04/05/2019 CO Primary Construction-Permanent 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
206667387 26490990 9742545107 11587508 26490990-2683 04/25/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.58784% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,732.36 on a Federal Total Loan Amount of $549,978.35 vs. an allowable total of $16,499.35 (an overage of $3,233.01 or .58784%). Points and Fees on subject loan of 3.58784% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,732.36 on a Federal Total Loan Amount of $549,978.35 vs. an allowable total of $16,499.35 (an overage of $3,233.01 or .58784%).     Reviewer Comment (2019-05-07): Bona Fide Discount Point worksheet provided and can be excluded. Exception cleared. 05/07/2019     1 A 04/05/2019 CO Primary Construction-Permanent 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
206667387 26490990 9742545107 11587586 26490990-4613 04/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/05/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/04/05/2019) Final Closing Disclosure reflects a prepaid HOI premium in Sec F of $2,084.28 which is the yearly premium however CD reflects 3 months.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/05/2019 CO Primary Construction-Permanent 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
206667388 26490991 9747503143 11583247 26490991-4436 04/24/2019 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/03/19/2019) Evidence of receipt or acknowledgment of document not found.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/23/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667388 26490991 9747503143 11583248 26490991-25513 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,204.19 on Final Closing Disclosure provided on 03/23/2019 not accurate. (Final/03/23/2019) The transaction is a new CA purchase and the taxes used were 1.25% of the sales price for an annual value of $11,062.50 and the HOI annual cost of $979.15 is an estimated cost over Year 1 of $12,041.65. The final and PCCD lists the cost over Year 1 as $12,204.19. The file is missing either a corrected CD or evidence of the taxing authority rate used.     Reviewer Comment (2019-05-02): Letter of Explanation & Corrected Closing Disclosure provided.   05/02/2019   2 B 03/23/2019 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
206667388 26490991 9747503143 11583376 26490991-25454 04/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 03/23/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667388 26490991 9747503143 11599623 26490991-25580 04/26/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/19/2019) Evidence of borrower's receipt of the appraisal was not provided.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/23/2019 CA Primary Purchase   C B A A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667389 26490992 9748995827 11581248 26490992-2654 04/24/2019 Compliance Compliance Federal Compliance TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. Loan Application reflects name of Jacqueline Murphy; NMLS ID# is associated with James Murphy.     Reviewer Comment (2019-05-14): The 1003 has the correct LO with signature Seller Comment (2019-05-14): please provide status on loan on docs submitted for review 5/9 05/14/2019     1 A 03/23/2019 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667389 26490992 9748995827 11581249 26490992-4371 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/23/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/23/2019) Final Closing Disclosure reflects a closing date of 03/23/2019; actual date of consummation is 03/27/2019.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/23/2019 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
206667389 26490992 9748995827 11616224 26490992-4436 04/26/2019 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/03/18/2019) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/23/2019 WA Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667390 26490993 9754622562 11586307 26490993-4371 04/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/04/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/04/2019) A PCCD dated 04/09/2019 was provided reflecting the correct closing date of 04/05/2019, however a letter to the borrower explaining the error was not located in the loan file which is required for TRID remediation cure.     Reviewer Comment (2019-04-26): A PCCD was provided correcting the closing date   04/26/2019   1 A 04/04/2019 CA Primary Refinance - Cash-out - Home Improvement 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
206667390 26490993 9754622562 11600641 26490993-4957 04/26/2019 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 (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/04/2019 CA Primary Refinance - Cash-out - Home Improvement Good Faith Redisclosure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667391 26490994 9755495760 11587248 26490994-23688 04/25/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The file is missing either evidence of a replacement cost estimator or evidence of increase coverage.     Reviewer Comment (2019-05-03): Received insurer's replacement cost estimator. Coverage is sufficient 05/03/2019     1 A 04/05/2019 MD Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667391 26490994 9755495760 11587257 26490994-25454 04/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-16): Desk review provided. 05/16/2019     1 A 04/05/2019 MD Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667391 26490994 9755495760 11614998 26490994-4436 04/26/2019 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/03/28/2019)       Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/05/2019 MD Primary Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667392 26490995 9757340477 11583696 26490995-25454 04/24/2019 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 secondary valuation at time of securitization.     Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 04/08/2019 CO Primary Purchase   C A A A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667393 26490996 9758902325 11586357 26490996-25838 04/25/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx Insurance Verification Hazard Insurance documentation for Big Bear, CA property not provided.     Reviewer Comment (2019-05-16): The borrower states they own the property free and clear and currently do not hold any HOI Seller Comment (2019-05-15): LOE for HOI Reviewer Comment (2019-05-09): LOX received, please provide LOX signed by borrowers. Seller Comment (2019-05-07): Sorry just saw note that LOE needs to be signed Seller Comment (2019-05-07): Please advise on the LOE sent for review stating the property is owned free and clear and there is no insurance on the property Reviewer Comment (2019-05-03): Please provide signed LOE from borrower. Thanks! 05/16/2019     1 A 03/09/2019 CA Primary Refinance - Cash-out - Other   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667393 26490996 9758902325 11586496 26490996-6572 04/25/2019 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/02/14/2019) Missing documentation supporting date borrower received copy of valuation.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/09/2019 CA Primary Refinance - Cash-out - Other   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667393 26490996 9758902325 11586498 26490996-1330 04/25/2019 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 Housing Counseling Organizations List and evidence of borrower's receipt.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 03/09/2019 CA Primary Refinance - Cash-out - Other   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667395 26490998 9759751168 11587696 26490998-3136 04/25/2019 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 1/25/19. Homeownership Counseling Disclosure is not dated, but was executed by borrower on 1/31/19.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/08/2019 CO Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667395 26490998 9759751168 11587697 26490998-6542 04/25/2019 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 $945.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) Initial LE reflects $945 Admin Fee. Revised LEs and CDs reflect $945 Loan Origination Fee. No valid changed circumstance provided. No cure provided.     Reviewer Comment (2019-05-02): Attestation received Loan Origination Fee and Admin Fee are one in the same - confirmed amount of $945 was consistent from Initial LE to Final CD 05/02/2019     1 A 03/08/2019 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
206667395 26490998 9759751168 11587778 26490998-4826 04/25/2019 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 03/01/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/01/2019) Final CD does not reflect an amount by which total closing costs exceeded the legal limit.     Reviewer Comment (2019-05-02): Attestation received Loan Origination Fee and Admin Fee are one in the same - confirmed amount of $945 was consistent from Initial LE to Final CD 05/02/2019     1 A 03/08/2019 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
206667395 26490998 9759751168 11615995 26490998-4436 04/26/2019 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/02/01/2019) Missing verification that borrower received copy of appraisal at or before closing.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/08/2019 CO Primary Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667396 26490999 9759819692 11584303 26490999-4613 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/03/2019 did not disclose number of months for homeowner's insurance under Prepaids. (Final/04/03/2019) Zero months listed for the HOI 12 month premium reported paid by borrower prior to closing.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/03/2019 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
206667396 26490999 9759819692 11617073 26490999-4436 04/26/2019 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/09/10/2018)       Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/03/2019 WA Primary Refinance - Rate/Term   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667396 26490999 9759819692 11617074 26490999-25580 04/26/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/10/2018)       Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 04/03/2019 WA Primary Refinance - Rate/Term   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667397 26491000 9763710267 11582176 26491000-2876 04/24/2019 Credit Loan Package Documentation Closing / Title Missing Document: Security Instrument not provided         Reviewer Comment (2019-05-01): Received signed mortgage. Exception cleared. 05/01/2019     1 A 03/22/2019 CA Primary Purchase   D B D A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667397 26491000 9763710267 11585006 26491000-25454 04/24/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 1.41% variance 05/01/2019     1 A 03/22/2019 CA Primary Purchase   D B D A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667397 26491000 9763710267 11585031 26491000-25513 04/24/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,265.96 on Final Closing Disclosure provided on 03/22/2019 not accurate. (Final/03/22/2019) Lender utilized $111.75 for monthly hazard premium, whereas the actual is $115.92.     Reviewer Comment (2019-05-02): AMC received Letter of Explanation & Corrected Closing Disclosure.   05/02/2019   2 B 03/22/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
206667397 26491000 9763710267 11585175 26491000-25838 04/24/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address:xxxxx Insurance Verification, Tax Verification       Reviewer Comment (2019-05-03): Received verification of taxes and insurance 05/03/2019     1 A 03/22/2019 CA Primary Purchase   D B D A C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667398 26491001 9764504420 11619641 26491001-25454 04/26/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 03/22/2019 CO Primary Purchase   C A A A A A C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667399 26491002 9765619292 11592924 26491002-25454 04/25/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-01): 0% variance 05/01/2019     1 A 03/25/2019 CA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667399 26491002 9765619292 11621079 26491002-3495 04/26/2019 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/03/05/2019) Appraisal was provided on 01/23/19, prior to the report date of 03/05/19     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/25/2019 CA Primary Purchase   C B A A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667400 26491004 9771066553 11592965 26491004-4371 04/25/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/21/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/21/2019) Final CD reflects a closing date of 03/21/2019, however the correct closing date was 03/25/2019.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/21/2019 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
206667400 26491004 9771066553 11620070 26491004-4240 04/26/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: Borrower's own funds discrepancy. Calculated borrower's own funds of $160,451.25 is less than AUS required borrower's own funds of $209,168.29. There is a $70,000.00 gift to the borrower's, however there is no evidence of the transfer of funds to the borrower or the title company. Please provide evidence of the transfer of these funds.     Reviewer Comment (2019-05-16): Evidence of deposit to title for the gift was provided Seller Comment (2019-05-15): proof of gift funds with check Reviewer Comment (2019-05-09): Received closing statement showing $70,000 received by title. Loan file contains gift letter for $70,000. Need receipt from title stating who the $70,000 came from, donor must match gift letter to clear condition. 05/16/2019     1 A 03/21/2019 CA Primary Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667406 26491010 9789860872 11621483 26491010-3495 04/26/2019 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/03/01/2019) The appraisal inspection was completed on 02/18/2019 and the report was completed on 03/01/2091. However, documentation in loan file, "Borrower Delivery Certificate" reflects the appraisal was sent to borrower on 02/21/2019, which was after the property inspection but prior to the report being completed. The appraisal should not be sent to borrower untl the report is completed.     Reviewer Comment (2019-05-02): Client elects to waive.     05/02/2019 2 B 03/14/2019 NJ Primary Refinance - Cash-out - Other   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667410 26491013 9798609419 11591915 26491013-6549 04/25/2019 Credit Property - Appraisal General Appraisal Requirements Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 03/17/2019 Townhouse       Reviewer Comment (2019-05-16): The style of home is considered a townhome but is still reviewed under either attached PUD or condo form 05/16/2019     1 A 03/29/2019 CA Primary Purchase   B B B A A B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206667410 26491013 9798609419 11670061 26491013-6572 05/01/2019 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/03/17/2019)       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 03/29/2019 CA Primary Purchase   B B B A A B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
206687531 26508433 504940432 11663423 26508433-2808 05/01/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-07): Approval provided. Exception cleared. Seller Comment (2019-05-03): Please see the attached approval. 05/07/2019     1 A 07/31/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687531 26508433 504940432 11663908 26508433-6297 05/01/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,717.00 and disclosure timing violations. Trid disclosures were signed electronically, however, consent to receive disclosures electronically was not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/31/2018 TX Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687531 26508433 504940432 11663910 26508433-4826 05/01/2019 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 07/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/27/2018) 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 (2019-05-07): borrower shopped title fees - fee paid to borrower chosen provider - no tolerance 05/07/2019     1 A 07/31/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687531 26508433 504940432 11663912 26508433-4866 05/01/2019 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. Lender did not provided Home Loan Toolkit Disclosure within 3 business days of application date of 06/20/18.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/31/2018 TX Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687531 26508433 504940432 11663921 26508433-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77222) Binding LE did not disclosed TX Guaranty Fee of $9 disclosed on the Consumer's Final CD. Cure for 0% tolerance violation was not provided.     Reviewer Comment (2019-05-07): borrower shopped title fees - fee paid to borrower chosen provider - no tolerance Seller Comment (2019-05-06): Disagree � The Title-Policy Guarantee Fee would fall under the 10% tolerance testing as this fee was not disclosed to the borrower as a fee they cannot shop for. The borrower shopped for their title services which makes all title fees excluded from tolerance testing. In addition, the $4.50 paid by the seller is a Seller Charge and would not fall under TRID testing. No TRID violation occurred. The commentary for 1026.37(f)(2) clarifies that the items to be included under �Services You Cannot Shop For� are for those services that the creditor requires in connection with the transaction that would be provided by persons other than the creditor or mortgage broker and for which the creditor does not permit the consumer to shop. xxxx allowed the borrower to shop for title fees. The GARC is not a fee for a service required by xxxx. It is a title service fee that is ancillary to the transaction. 05/07/2019     1 A 07/31/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687532 26508434 504954296 11648618 26508434-2808 04/30/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-07): Approval provided. Exception cleared. Seller Comment (2019-05-03): Please see the attached approval. 05/07/2019     1 A 08/20/2018 NV Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687532 26508434 504954296 11649797 26508434-24188 04/30/2019 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 $3,000.00 on Final Closing Disclosure provided on 08/20/2018 not accurate. (Final/08/20/2018) Per appraisal, annual HOA Dues are $7,660 or $638.33/mo. This monthly value was used by lender to qualify borrowers. Final CD reads $3,000.00 / 12 = 250.00 which in incorrect.     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. Seller Comment (2019-05-06): Disagree - The appraisal discloses the HOA amount as $250 per month, which corresponds with the Final CD. The appraisal has been provided. 05/06/2019     1 A 08/20/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687533 26508435 504930665 11635724 26508435-25503 04/29/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 11,292.00 on Final Closing Disclosure provided on 07/27/2018 not accurate. (Final/07/27/2018) Final CD disclosed Amount of Estimated Property Costs over Year 1 of 11,292.00, however, the actual amount is $8,335.33. Per the CD the HOI charged was $1682.00 whereas the HOI dec page lists an annual premium of $1470. The total taxes listed on the tax cert are $3676.16 City and $3189.17 County for a total cost year 1 of $8335.33     Reviewer Comment (2019-05-03): AMC received PCCD correcting total property costs over 1 year and LOE. Exception Cured. Seller Comment (2019-05-03): Attached please find post consummation closing disclosure and letter to the borrower   05/03/2019   2 B 07/27/2018 MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687533 26508435 504930665 11646532 26508435-4866 04/30/2019 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. Home Loan Toolkit Disclosure to applicant within 3 business days of application.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/27/2018 MI Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687534 26508438 504937837 11651493 26508438-4436 04/30/2019 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/06/27/2018) No documentation is provided as evidence of appraisal delivery, although borrower signed acknowledgment of receipt at closing.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/05/2018 UT Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687534 26508438 504937837 11651496 26508438-7115 04/30/2019 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 final CD lists initial escrow as $6199.61 whereas the initial escrow disclosure lists the initial deposit as $6097.54     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/05/2018 UT Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687535 26508439 504997773 11634344 26508439-7458 04/29/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (Torres Viera,Jesus Lermont Trading, LTD./Partnership) The third party verification is missing dates     Reviewer Comment (2019-05-06): Signed 2016/2017 1040's are in file. Seller Comment (2019-05-02): 5/1/2019: While a verification of a self-employed business by a third party source should be obtained within 30 calendar days from the Note date, guidelines do not state that verification of self-employment is required if negative income is used for qualifying. The borrower was qualified with negative income therefore the risk in minimal and does not affect the qualification of the borrower. Please see the attached guidelines. 05/06/2019     1 A 12/10/2018 FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687535 26508439 504997773 11634345 26508439-7457 04/29/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Torres Viera,Jesus JTV Media Group LLC/Schedule C) The third party verification is missing dates.     Reviewer Comment (2019-05-06): Signed 2016/2017 1040's are in file. Seller Comment (2019-05-02): 5/1/2019: While a verification of a self-employed business by a third party source should be obtained within 30 calendar days from the Note date, guidelines do not state that verification of self-employment is required if negative income is used for qualifying. The borrower was qualified with negative income therefore the risk in minimal and does not affect the qualification of the borrower. Please see the attached guidelines. 05/06/2019     1 A 12/10/2018 FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687535 26508439 504997773 11634347 26508439-3867 04/29/2019 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. Loan Designation discrepancy is due to ATR fail.     Reviewer Comment (2019-05-06): 2016/2017 Signed 1040's are in file. Exception cleared. Seller Comment (2019-05-02): 5/1/2019: Loan is QM. Guidelines do not state that Self-employment is required to be verified if negative income is being used. 05/06/2019     1 A 12/10/2018 FL 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
206687535 26508439 504997773 11634349 26508439-3136 04/29/2019 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 was provided on 10/16/18 which is not within 3 business days of application date of 10/10/18.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/10/2018 FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687535 26508439 504997773 11634350 26508439-4850 04/29/2019 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 12/10/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/10/2018) 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/10/2018 FL 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
206687535 26508439 504997773 11634352 26508439-23897 04/29/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 12/05/2018 received on or after the date the Closing Disclosure 12/6/2018 12:00:00 AM was received. (Interim/12/05/2018) Revised LE issued on 12/05/18 was received by borrower on 12/08/18 which is after the date the CD issued on 12/06/18 was received by borrower.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/10/2018 FL Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687535 26508439 504997773 11634353 26508439-3988 04/29/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/05/2018 not received by borrower at least four (4) business days prior to closing. (Interim/12/05/2018) Revised LE issued on 12/05/18 was received by borrower on 12/08/18 which is not at least 4 business days prior to closing date of 12/10/18.     Reviewer Comment (2019-05-22): The COC was wet signed by the borrower that also acknowledged the receipt of the LE associated with the change Seller Comment (2019-05-22): The COC was accepted as evidence of receipt of the LE on the loan listed below. Please clear this loan as well. In regards to xxxxx- This has been cleared. I agree the wet signature and the acknowledgement is sufficient to verify receipt. Thank you xxxx xxxxx Reviewer Comment (2019-05-20): It is not the COC that is required for this exception. The file is missing evidence the borrower receipt of the LE dated 12/5/2018 was received by the borrower at least 4 days prior to closing. Seller Comment (2019-05-20): Please see the attached signed COC 05/22/2019     1 A 12/10/2018 FL Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687535 26508439 504997773 11634354 26508439-6542 04/29/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $3,000.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. (7349) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-15): AMC reviewed COC. Exception Cleared. Seller Comment (2019-05-14): COC has been uploaded Reviewer Comment (2019-05-13): Updated from: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $3,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) 05/15/2019     1 A 12/10/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687535 26508439 504997773 11634830 26508439-23688 04/29/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI Coverage of $539,800 is insufficient to cover the Estimated Cost New value that is $700,375 resulting in a Coverage Shortfall of $160,575. Replacement cost from the insurer to determine coverage amount is sufficient was not provided.     Reviewer Comment (2019-05-13): Received replacement cost estimator. Seller Comment (2019-05-10): Please see the attached replacement cost estimator. Reviewer Comment (2019-05-06): Dwelling coverage of $539,800.00 does not cover the loan amount therefore we need to cover the total estimated cost new of $700,375.00, short by $160,575.00. Exception remains. Seller Comment (2019-05-03): 05/03 Disagree with finding. The evidence of insurance show replacement cost up to $539,800 which is in addition to the dwelling coverage of $539,800 05/13/2019     1 A 12/10/2018 FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687535 26508439 504997773 11648704 26508439-6297 04/30/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $11,741.05 and disclosure timing violations. LE signed electronically, however, evidence of borrower's consent to receive disclosure electronically was not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/10/2018 FL Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687535 26508439 504997773 11652591 26508439-6542 04/30/2019 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 $170.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) The file is missing either a cure to the borrower or a valid COC     Reviewer Comment (2019-05-16): Cure provided Reviewer Comment (2019-05-15): AMC received Refund Check, LOE, and Proof of Mailing. Please provide corrected CD to cure. Seller Comment (2019-05-14): LOX, copy of check and tracking has been provided Reviewer Comment (2019-05-11): Commitment letter dated 11/01/2018 supports that lender was made aware at this time that a re-inspection was needed. COC and updated disclosure should have been provided within 3 days of 11/01/2018. There are two commitment letters dated 11/01/2018 in file and appears one was issued prior to appraisal review and one issued after review requesting the re-inspection. Exception remains Reviewer Comment (2019-05-03): AMC reviewed the exception. The Re Inspection was competed 11/21 however the appraisal was completed 10/25 with subject to. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-03): 5/3/2019-The appraisal completion report was ordered on 11/19/2018 at which time the lender was made aware of the cost and also the borrower was made aware of the cost with the COC provided to the borrower on 11/19/2018.. The borrower was made aware the same day the completion report was ordered and is within the required 3 business days. The Compliance Certificate in addition to the Appraisal Update/Compliance Report has been provided. Reviewer Comment (2019-05-01): The appraisal was completed subject to the roof and mold inspections on 10/24/2018. The Changed Circumstance was not issued until 11/19/2018, meaning the cost was not disclosed to the borrower within 3 business days of the lender being made aware of the cost. PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-01): Disagree - Per appraisal the appraisal was made "subject to" passing a qualified roof inspection and mold inspection. Appraisal Update/Completion Report provided detailing the required inspections were completed on 11/11/2018 which required the reinspection fee. Seller Comment (2019-05-01): See attached COC History which should have been part of initial document delivery along with Loan Summary Report that capture COC history 05/16/2019     1 A 12/10/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687535 26508439 504997773 11895985 26508439-6545 05/16/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $170.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75103) A cure was provided to the borrower with evidence of check, CD     Reviewer Comment (2019-05-16): A PCCD was provided to the borrower along with evidence of check and LOE   05/16/2019   2 B 12/10/2018 FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687536 26508441 504952703 11648132 26508441-3988 04/30/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/13/2018 not received by borrower at least four (4) business days prior to closing. (Interim/08/13/2018) Revised Loan Estimate provided on 08/13/2018 not received by borrower at least four (4) business days prior to closing. (Interim/08/13/2018)     Reviewer Comment (2019-05-07): Received evidence of earlier receipt. Seller Comment (2019-05-07): Please see the attached proof of receipt 05/07/2019     1 A 08/17/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687536 26508441 504952703 11648133 26508441-6542 04/30/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Repair / Remedy Fee. Fee Amount of $2,870.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77133) Binding LE did not disclosed Pest Repair / Remedy Fee of $2,870 disclosed on the Consumer's Final CD paid by the Seller. 0% tolerance violation was not provided.     Reviewer Comment (2019-05-03): Pest /Repair/Remedy Fee was disclosed in Section C with all other title fees and should have been disclosed in Section H. Borrower was not able to shop for the Pest service as per page 2 of Purchase Contract, seller to provide at Seller's choice. Exception Cleared. Seller Comment (2019-05-03): The Pest Inspection fee which was paid by the Seller was not a fee required by title to complete the loan transaction. The purchase agreement stated the inspection fee was to be paid by the seller, this fee which was not required is not subject to tolerance testing. See page 5 of Purchase Agreement. 05/03/2019     1 A 08/17/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687536 26508441 504952703 11648166 26508441-855 04/30/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/30/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018       Reviewer Comment (2019-05-07): Received post disaster inspection. Seller Comment (2019-05-07): Attached please find the post disaster inspection 05/07/2019     1 A 08/17/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687536 26508441 504952703 11648506 26508441-25503 04/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,968.80 on Final Closing Disclosure provided on 08/14/2018 not accurate. (Final/08/14/2018) Final CD disclosed Amount of Estimated Property Costs over Year 1 of 17,968.80, however, the actual amount is $17,960.52.     Reviewer Comment (2019-05-22): A PCCD was provided Seller Comment (2019-05-22): Please see the attached LOE Reviewer Comment (2019-05-16): Received PCCD, Need LOE to cure. Seller Comment (2019-05-14): Corrected CD has been uploaded.   05/22/2019   2 B 08/17/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687536 26508441 504952703 11664046 26508441-23897 05/01/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 08/13/2018 received on or after the date the Closing Disclosure 8/14/2018 12:00:00 AM was received. (Interim/08/13/2018)       Reviewer Comment (2019-05-07): Received evidence of earlier receipt. 05/07/2019     1 A 08/17/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687536 26508441 504952703 11664173 26508441-4866 05/01/2019 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. Evidence that borrower received Home Loan Toolkit Disclosure within 3 business days of application was not provided.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 08/17/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687537 26508442 504953632 11650126 26508442-25503 04/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 26,978.40 on Final Closing Disclosure provided on 08/22/2018 not accurate. (Final/08/22/2018) The amount for Leasehold rent payment of ($3.44 monthly) was not included in non escrow total cost over year 1 amount.     Reviewer Comment (2019-05-07): Upon further review, the exception is cleared. Seller Comment (2019-05-06): Disagree - The Leasehold Rent fee should not be included in the non escrow total cost over year 1 amount. Provide the cited regulation if you do not agree with our response. 05/07/2019     1 A 08/31/2018 TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687537 26508442 504953632 11650127 26508442-4826 04/30/2019 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 08/22/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/22/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved due to Collateral Desk Review Fee.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687537 26508442 504953632 11650130 26508442-6542 04/30/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) Collateral Desktop Analysis Fee was not disclosed on the initial LE but on the final CD reads $150.00. 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 (2019-05-03): Cure provided at closing. Seller Comment (2019-05-03): Disagree - The Lender Cure Credit in the amount of $183 provided to the borrower at closing cured the tolerance violation.   05/03/2019   2 B 08/31/2018 TX 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
206687538 26508443 504931997 11636293 26508443-4826 04/29/2019 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 06/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/26/2018) No amount was disclosed as over limit.     Reviewer Comment (2019-05-01): Upon further review, the exception is cleared. 05/01/2019     1 A 07/06/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687538 26508443 504931997 11636294 26508443-6340 04/29/2019 Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. List of service providers is not documented as provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/06/2018 CO Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687538 26508443 504931997 11636295 26508443-6542 04/29/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Update. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77225) No cure was provided.     Reviewer Comment (2019-05-01): Upon further review, the exception is cleared. Seller Comment (2019-05-01): Disagree - The $75 fee listed on the CD is a required Seller's Fee Title-Delete Exceptions 1-4 and is not included in the TRID tolerance testing. Review Purchase agreement. 05/01/2019     1 A 07/06/2018 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
206687538 26508443 504931997 11653062 26508443-6411 04/30/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/06/26/2018) Not provided     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/06/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687539 26508444 504919249 11650007 26508444-2808 04/30/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-07): Approval provided. Exception cleared. Seller Comment (2019-05-03): Please see the attached loan approval 05/07/2019     1 A 06/25/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687539 26508444 504919249 11651780 26508444-7456 04/30/2019 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 04/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. xxxx/Schedule K-1 less than 25 Percent) Borrower filed for extension for Tax Year 2017.     Reviewer Comment (2019-05-13): Client elects to waive. Reviewer Comment (2019-05-07): Based on application date, most recent returns that may be available are 2017. Exception is valid for QM loans, even if guidelines are met. Exception does not impact QM status. Non-material exception remains. Seller Comment (2019-05-03): Disagree: The application was taken 4/23/2018 and Loan disbursed 6/29/2018 therefore sufficient tax documentation was provided. Documentation requirements per xxxx underwriting guidelines. The most recent Tax return or a copy of IRS form 4868, 2017 Tax Transcripts confirming "No Transcripts Available" and tax returns for the prior two years. Please see the attached guidelines.     05/13/2019 2 B 06/25/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687539 26508444 504919249 11651781 26508444-20305 04/30/2019 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 04/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxx/Schedule K-1 less than 25 Percent) Borrower filed for extension for Tax Year 2017.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/25/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687539 26508444 504919249 11651796 26508444-3325 04/30/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxxt. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Schedule E information in file for 2015,2016. Borrower filed for extension for 2017.     Reviewer Comment (2019-05-07): Rental income was not used, therefore lease agreement not needed. Exception cancelled. Seller Comment (2019-05-03): Disagree: Rental income / loss was not used for qualifying. Borrower qualified with entire payment of $2742.00. Please see the attached statement, taxes and insurance.       1 A 06/25/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687539 26508444 504919249 11651797 26508444-3867 04/30/2019 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. QM not met as most recent signed and dated tax returns for 2017 are not in the loan file. Borrower filed for extension for 2017.     Reviewer Comment (2019-05-07): SHQM Loan Seller Comment (2019-05-03): Disagree: The application was taken 4/23/2018 and Loan disbursed 6/29/2018 therefore sufficient tax documentation was provided. Documentation requirements per xxxx underwriting guidelines. The most recent Tax return or a copy of IRS form 4868, 2017 Tax Transcripts confirming "No Transcripts Available" and tax returns for the prior two years. Please see the attached guidelines. 05/07/2019     1 A 06/25/2018 TX 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
206687539 26508444 504919249 11684285 26508444-6677 05/02/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx 2630677) The losses used to qualify for the borrower are missing a valid signed third party verification of business entity.     Reviewer Comment (2019-05-07): Employment History exceeding two years documented within the loan file. Seller Comment (2019-05-03): Disagree: Elizabeth Meyers is 2% owner of Jones Day. No income was used for qualifying therefore third party verification is not required. 05/07/2019     1 A 06/25/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687539 26508444 504919249 11684286 26508444-7456 05/02/2019 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 04/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxx/Schedule K-1 less than 25 Percent) The losses from Rincon were not supported with a third party verification and a current year to date P&L and balance sheet as required per QM. The losses increased from 2015 to 2016     Reviewer Comment (2019-05-17): Client elects to waive Reviewer Comment (2019-05-13): P&L and balance sheet are not required as borrower is less than 25% owner. 2017 returns are on extension. QM requirements met for documentation. Exception remains due to most recent returns not utilized.     05/17/2019 2 B 06/25/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687539 26508444 504919249 11684287 26508444-20305 05/02/2019 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 04/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Price,Melinda Rincon Croup/Schedule K-1 less than 25 Percent) The losses from Rincon were not supported with a third party verification and a current year to date P&L and balance sheet as required per QM. The losses increased from 2015 to 2016     Reviewer Comment (2019-05-17): Client elects to waive Reviewer Comment (2019-05-13): P&L and balance sheet are not required as borrower is less than 25% owner. 2017 returns are on extension. QM requirements met for documentation. Exception remains due to most recent returns not utilized.     05/17/2019 2 B 06/25/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687540 26508447 504953834 11648176 26508447-1029 04/30/2019 Compliance Compliance Federal Compliance Retirement Documentation Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (Skinner,Frances Retired/IRA Distribution) IRA Distributions are reflected on tax returns.     Reviewer Comment (2019-05-08): Co-Borrower receives State Pension Income which was documented with 2 years 1099, 1040's, and IRS Transcripts. Seller Comment (2019-05-08): 5/8/2019: Please see the attached SS award letter. Document was located in the file Reviewer Comment (2019-05-07): Award letter as required by Appendix Q to verify continuance was not provided in file. Seller Comment (2019-05-03): xxxxxr pension income is supported by 1099 for 2016 & 2017 $51757.92 for xxxxx (Pension Income) and SS income of $3042.00. Please see the attached. 05/08/2019     1 A 10/19/2018 NJ Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687540 26508447 504953834 11648179 26508447-25158 04/30/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 10/19/2018 NJ Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687540 26508447 504953834 11648180 26508447-5340 04/30/2019 Compliance Compliance Federal Compliance Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed.       Reviewer Comment (2019-05-24): The HOA policy insuring the condo reports flood insurance and is not paid by the borrower and does not require to be escrows. Seller Comment (2019-05-23): The Flood Insurance is covered by the Master Policy so it is paid by the HOA. 05/24/2019     1 A 10/19/2018 NJ Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687540 26508447 504953834 11648232 26508447-3867 04/30/2019 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 Designation ins Safe Harbor QM.     Reviewer Comment (2019-05-08): Income documentation was provided. Seller Comment (2019-05-08): 5/8/2019: Please see the attached SS award letter. Document was located in the file Reviewer Comment (2019-05-07): Award letter as required by Appendix Q to verify continuance was not provided in file. Seller Comment (2019-05-03): Disagree: Income documentation was provided to support the income used for qualifying. 05/08/2019     1 A 10/19/2018 NJ Second Home Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687540 26508447 504953834 11648233 26508447-6297 04/30/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $10,665.80 and disclosure timing violations. An E-Sign Consent Agreement was not provided in the file.     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. Seller Comment (2019-05-06): E-consent disclosure has been uploaded. 05/06/2019     1 A 10/19/2018 NJ Second Home Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687540 26508447 504953834 11648442 26508447-25503 04/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,447.58 on Final Closing Disclosure provided on 10/17/2018 not accurate. (Final/10/17/2018)       Reviewer Comment (2019-05-24): The flood is paid by the HOA and is not part of the cost year 1 Seller Comment (2019-05-24): Please see corrected CD and insurance documentation. The correct amount for insurance is $2104.52 Insurance, $898 Flood Insurance and $2963.80 Taxes for a total of $5966.32 Reviewer Comment (2019-05-17): AMC reviewed exception. The allowable tolerance for the escrow account fields on page four of the CD is $0.02 per month of escrowed costs or $0.24 for 12 months. Total disclosed on page four of CD is $7031.76 and documentation in images indicates total should be $4446.80 ($585 for hazard insurance, $2963.80 for property taxes, and $898 for flood ins). Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure. Seller Comment (2019-05-16): See attached Post Consummation CD 05/24/2019     1 A 10/19/2018 NJ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687540 26508447 504953834 11648560 26508447-4826 04/30/2019 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 10/17/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/17/2018) The "exceeds legal limits by" section lists $20.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 10/19/2018 NJ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687540 26508447 504953834 11648646 26508447-6542 04/30/2019 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 $1,295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) The Loan Origination Fee did not change     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. Reviewer Comment (2019-05-03): AMC agrees the Loan Origination Fee was disclosed on LE and that the fee amount did not change. However, since the eConsent is missing all tolerances are set at zero for testing. Please provide eConsent Agreement for additional review. Seller Comment (2019-05-03): Disagree - Loan Origination Fee was disclosed on the Initial LE in the of amount $1295 and the amount charged to the borrower is $1295 as well. The disclosed amount to the borrower did not increase. No violation occurred, loan meet tolerance guidelines. 05/06/2019     1 A 10/19/2018 NJ 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
206687540 26508447 504953834 11648647 26508447-6542 04/30/2019 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 $470.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) The Appraisal fee was originally $450, but it went up to $470.     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. Reviewer Comment (2019-05-03): AMC agrees a tolerance cure of $20 was done at closing for the Appraisal Fee increase. However, since the eConsent is missing all tolerances are set at zero for testing. Please provide eConsent Agreement for additional review. Seller Comment (2019-05-03): A tolerance cure was provided to the borrower at the time of closing in the amount of $20 which cured the tolerance violation for the difference in the Appraisal Fee of $20. 05/06/2019     1 A 10/19/2018 NJ 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
206687540 26508447 504953834 11650180 26508447-6543 04/30/2019 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 $236.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) The fees are accurate. The Loan Estimate was signed electronically, but an E-Sign Disclosure was not provided in the file.     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. 05/06/2019     1 A 10/19/2018 NJ 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
206687540 26508447 504953834 11650181 26508447-6542 04/30/2019 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 $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) The fees are accurate. The Loan Estimate was signed electronically, but an E-Sign Disclosure was not provided in the file.     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. 05/06/2019     1 A 10/19/2018 NJ 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
206687540 26508447 504953834 11650182 26508447-6542 04/30/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) The fees are accurate. The Loan Estimate was signed electronically, but an E-Sign Disclosure was not provided in the file.     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. 05/06/2019     1 A 10/19/2018 NJ 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
206687540 26508447 504953834 11650183 26508447-6542 04/30/2019 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 $69.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) The fees are accurate. The Loan Estimate was signed electronically, but an E-Sign Disclosure was not provided in the file.     Reviewer Comment (2019-05-06): AMC received required documents, exception is cleared. 05/06/2019     1 A 10/19/2018 NJ 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
206687540 26508447 504953834 11667028 26508447-1029 05/01/2019 Compliance Compliance Federal Compliance Retirement Documentation Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (Skinner,Michael Vanguard/IRA Distribution) pension income was taken from 2016 and 2017 tax returns.     Reviewer Comment (2019-05-08): Borrower received IRA Distributions which were reflected on 2017 1040's and IRS Transcripts. Vanguard account was provided. Seller Comment (2019-05-08): 5/8/2019: Please see the attached SS award letter. Document was located in the file Reviewer Comment (2019-05-07): Award letter as required by Appendix Q to verify continuance was not provided in file. Seller Comment (2019-05-03): Disagree: Michael Skinner was qualified using Schedule C income which is supported by 1099 and retirement which is also supported by 1099. The SS income was also used to qualify the borrower. Please see the attached income documents. 05/08/2019     1 A 10/19/2018 NJ Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687540 26508447 504953834 11676269 26508447-4436 05/02/2019 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/09/12/2018) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 10/19/2018 NJ Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687541 26508448 505021608 11667473 26508448-25513 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,966.44 on Final Closing Disclosure provided on 01/25/2019 not accurate. (Final/01/25/2019) The total costs associated for cost year 1 are $16,922.52 which is $2940 annual HOA, $12448.52 taxes and $1534 for HOI. The variance is $43.92     Reviewer Comment (2019-05-23): The taxes used was higher than verified per the property report and the HOA was corrected. Seller Comment (2019-05-22): Received confirmation of documentation used to calculate page 4 of the CD. Please see attached UW transmittal. Per prior conversation acceptable to provide supporting documentation. Reviewer Comment (2019-05-16): AMC received appraisal updated HOA Dues to $260/mo however this does not clear the exception. $3120+$1534+$12448.52=$17102.52. Please provide corrected CD and LOE to cure. Seller Comment (2019-05-14): $260 x 12 = $3120 not $2940. Seller Comment (2019-05-14): Appraisal has been provided for the HOA fee showing at $260. Reviewer Comment (2019-05-10): Final CD dated 1/25 page 2 has HOA at $260 mo (x12=2940), insurance $1534 for the year and taxes 6224.26 for 6 mos (x2 = 12448.52). $12448.52 + $1534 + $2940= $16922.52. Page 4 of the CD discloses $16966.44. This is a $43.92 difference. Seller Comment (2019-05-10): Please review LOX 05/23/2019     1 A 01/25/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687542 26508449 505032470 11652331 26508449-4846 04/30/2019 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 02/15/2019 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/02/15/2019) Disclosed on final CD as $0.00 vs $13,921.88.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 02/19/2019 CO Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687543 26508451 504949811 11651149 26508451-3867 04/30/2019 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. QM failure due to DTI and the lack of third party verification of business to support a two year history and current     Reviewer Comment (2019-05-11): Upon further review, all documentation requirements met. Exception cancelled. Reviewer Comment (2019-05-10): This condition remains until other income documentation conditions are received/cleared. Seller Comment (2019-05-06): Please see the attached self employed income documentation, LOE from the borrower along with 2017 extension tax form.       1 A 08/27/2018 TX 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
206687543 26508451 504949811 11651267 26508451-6583 04/30/2019 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 $105.88 exceeds tolerance of $45.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Credit report fee exceeds tolerance. No cure provided.         04/30/2019   1 A 08/27/2018 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
206687543 26508451 504949811 11669381 26508451-7456 05/01/2019 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 07/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (SxxxxPartnership) Missing 2017 1065 and Schedule K1 for BRB Development.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669382 26508451-7456 05/01/2019 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 07/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx Partnership) Missing 2017 1065 and Schedule K1 for BRB Development.     Reviewer Comment (2019-05-08): Upon further research, exception has been cleared. 05/08/2019     1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669383 26508451-7456 05/01/2019 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 07/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxx/Schedule C) Missing 2017 1065 and Schedule K1 for BRB Development.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669430 26508451-6511 05/01/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation - YTD P&L Qualified Mortgage (Dodd-Frank 2014): YTD P&L is dated before the quarter prior to creditor application date. YTD Date = 12/31/2017 12:00:00 AM, Creditor Application Date = 07/16/2018 (Sole Proprietorship). (xxxx/Schedule C) Missing 2017 1065 and Schedule K1.     Reviewer Comment (2019-05-08): Upon further research, exception has been cancelled. Seller Comment (2019-05-06): 5/6/2019: Disagree: Please see the attached P & L with YTD for BRB, xxxxx Dated January - June 2018. Application date 7/16/2018. Documents were in the file.       1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669432 26508451-25519 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Partnership Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (xxxxx/Partnership) Missing 2017 1065 and Schedule K1.     Reviewer Comment (2019-05-11): Upon further review, all documentation requirements met. Exception cancelled. Reviewer Comment (2019-05-09): The only Third Party Verification provided was forxxxx. Missing for xxx xxxx/Partnership. Provide copy of active license, or verification with the Secretary of State. Seller Comment (2019-05-09): Please see the attached Business License that was located in the file. Verified 7/24/2018. Reviewer Comment (2019-05-08): Missing third party verification for BRB Development LLC. A VVOE form was provided in file however, the documentation used to verify the business existence was not provided. Seller Comment (2019-05-06): 5/6/2019: Please see the attached 2017 Extensions for xxxx, BRB and Schedule C and Liquidity Test.       1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669434 26508451-25520 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Schedule C Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxx/Schedule C) Missing 2017 1065 and Schedule K1.     Reviewer Comment (2019-05-11): Upon further review, all documentation requirements met. Exception cancelled. Reviewer Comment (2019-05-10): Positive income was is used for Texas Broker Services. Seller Comment (2019-05-09): Disagree: Third party verification is not required due to negative income was used for Texas Broker. There is no additional risk due to the loan was qualified with negative income. Please see the Income calculation. Reviewer Comment (2019-05-08): Missing third party verification for Texas Broker Services. Seller Comment (2019-05-06): Please see the attached Liquidity test, evidence of Extension and LOX from Borrower with documentation to support.       1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669435 26508451-4204 05/01/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR failed due to missing income documentation.     Reviewer Comment (2019-05-11): Upon further review, all documentation requirements met. Exception cancelled.       1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669436 26508451-20305 05/01/2019 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 07/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/Partnership) Missing 2017 1065 and Schedule K1.     Reviewer Comment (2019-05-11): Upon further review, all documentation requirements met. Exception cancelled.       1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669437 26508451-20305 05/01/2019 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 07/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxC/Partnership) Missing 2017 1065 and Schedule K1.     Reviewer Comment (2019-05-08): Upon further research, exception has been cleared. 05/08/2019     1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11669438 26508451-20305 05/01/2019 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 07/16/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxx/Schedule C) Missing 2017 1065 and Schedule K1.     Reviewer Comment (2019-05-11): Upon further review, all documentation requirements met. Exception cancelled.       1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11686603 26508451-25032 05/02/2019 Compliance Compliance Federal Compliance General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 43.85570% and based on 1026.43(c)(5) of 43.86% moderately exceed the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) The total verified income is; BRB $21,441.16, Clauklin $-616.76, Texas $6.28 and D/I income of $820.46 for a total income of $21,651.14 and does not match the lender value. The income worksheets from the UW are incomplete to address the additional income sources. There is Capital Gains income listed on the K1's and properties sold on the P&L however the business returns do not report additional properties nor is there a property profile of ownership for the businesses to confirm any continuance.     Reviewer Comment (2019-05-08): Upon further research, exception has been cleared. Seller Comment (2019-05-06): 5/6/2019: Income used for qualifying. Dividend and interest income 2016 $9812 + 20115 $9680/ 24 = $812.17; Capital gains from 2016 $384905/ 12 = $32075.00 (due to income declined from 2015 to 2016); K1 losses from BRB ( -$96.06) and Claukin -$1356.58 and Schedule C (Texas Brokers -$398.92 using 24 month Average)= $1851.56- Clauklin LLC 1065 $332.15 = -$1519.41. Please see the attached Self Employed income calculation. Please see the LOX which states the income has been flowing through xxxxC. The borrower has been receiving capital gains income from business xxxx and as they grew and took on additional investors, the borrower started BRB Development in 7/2016 and continued to use. Please see the attached property history report which shows that BRB Development does have a lot of properties owned that can be sold if any additional income is needed to support the capital gain income. 05/08/2019     1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11686604 26508451-1257 05/02/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. The total verified income is; BRB $21,441.16, Clauklin $-616.76, Texas $6.28 and D/I income of $820.46 for a total income of $21,651.14 and does not match the lender value. The income worksheets from the UW are incomplete to address the additional income sources. There is Capital Gains income listed on the K1's and properties sold on the P&L however the business returns do not report additional properties nor is there a property profile of ownership for the businesses to confirm any continuance.     Reviewer Comment (2019-05-08): Upon further research, exception has been cleared. Seller Comment (2019-05-06): 5/6/2019: Income used for qualifying. Dividend and interest income 2016 $9812 + 20115 $9680/ 24 = $812.17; Capital gains from 2016 $384905/ 12 = $32075.00 (due to income declined from 2015 to 2016); K1 losses from BRB ( -$96.06) and Claukin -$1356.58 and Schedule C (Texas Brokers -$398.92 using 24 month Average)= $1851.56- Clauklin LLC 1065 $332.15 = -$1519.41. Please see the attached Self Employed income calculation. Please see the LOX which states the income has been flowing through Clauklin LLC. The borrower has been receiving capital gains income from business Clauklin LLC and as they grew and took on additional investors, the borrower started BRB Development in 7/2016 and continued to use. Please see the attached property history report which shows that BRB Development does have a lot of properties owned that can be sold if any additional income is needed to support the capital gain income. 05/08/2019     1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687543 26508451 504949811 11767920 26508451-7458 05/08/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxxxC/Partnership) 2017 1065 and K1 for Clauklin, LLC were provided however most recent personal returns provided are 2016.     Reviewer Comment (2019-05-10): Extension received, all conditions met for extension. Condition cleared. Seller Comment (2019-05-09): Please see the attached Extension for 2017 and the 2016 & 2015 1040 Tax returns. 05/10/2019     1 A 08/27/2018 TX Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687544 26508454 504947507 11652473 26508454-3867 04/30/2019 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. Lease was not provided for 165 E O'Keefe as required per Appendix Q     Reviewer Comment (2019-05-16): A lease was provided dated 7/18/2013 with a month to month provision Reviewer Comment (2019-05-16): The lease provided was dated 7/18/2013 at $2100 with verbiage of a month to month provision. Per the 2017 the income is higher and the file is missing an updated lease agreement Seller Comment (2019-05-15): The documentation provided is sufficient to support the stability of the rental income. The omission of the rental income increases the DTI from 22% to 27% which is within approval parameters. Reviewer Comment (2019-05-07): A lease agreement has been provided however subject lease is a month to month lease commencing on 8/15/13. 05/16/2019     1 A 09/27/2018 CA 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
206687544 26508454 504947507 11652474 26508454-4371 04/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/27/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/09/27/2018) Final CD disclosed a Closing Date of 09/27/18, however the actual date of consummation is 10/01/18 per Security Instrument.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/27/2018 CA 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
206687544 26508454 504947507 11652477 26508454-25503 04/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 20,834.66 on Final Closing Disclosure provided on 09/27/2018 not accurate. (Final/09/27/2018) Final CD disclosed Amount of Estimated Property Costs over Year 1 of 20,834.66, however, the actual amount is $$22,729.08.     Reviewer Comment (2019-05-23): A PCCD was provided correcting the cost year 1 Seller Comment (2019-05-23): See corrected PCCD showing $21,614.34 and LOX Reviewer Comment (2019-05-22): The total monthly cost is $1964.94. At 11 months the cost estimate would be $21,614.34, 10 months $19649.40 and 12 months $23579.24. The PCCD lists $20,834.66 which does not match the 10,11, or 12 month calculation. Seller Comment (2019-05-21): Received the corrected CD - The non escrowed costs in this section show the amount paid within the 1st year of the closing date. There are only 11 payments made within 1 year of the closing date since the first payment skips a month. This same issue was cleared by Jayson Colotti on 504897561 and 504930418. Reviewer Comment (2019-05-16): The calculations are based on the tax total of $19284.24, HOI $3395 and HOA of $900.00. These are the cost year 1 for a total of $23579.24. The final CD appears to only have used the taxes of $19284.26 and the HOA of $900 but still does not match. Seller Comment (2019-05-15): Please see 2018- 2019 tax amount used for calculation on page 4 $9642.12 x 2 = $19,284.26   05/23/2019   2 B 09/27/2018 CA 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
206687544 26508454 504947507 11652478 26508454-4850 04/30/2019 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 09/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/27/2018) Final CD disclosed the dollar amount by which the Total Closing Costs exceeded the legal limit of $395, however, the actual amount is $5,123.51.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. 05/03/2019     1 A 09/27/2018 CA 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
206687544 26508454 504947507 11652480 26508454-6542 04/30/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $845.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7508) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding E-Consent evidence provided 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11652531 26508454-3325 04/30/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 165 East O'Keefe Street. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Rental income documentation requirement for 165 O'Keefe St was not met. Copy of Lease Agreement as required per guidelines was not provided.     Reviewer Comment (2019-05-16): A lease was provided dated 7/18/2013 with a month to month provision Seller Comment (2019-05-15): Disagree: The lease provided was month to month however the 2016/2017 Tax returns list the property as rented the full 365 days with no lapses. The underwriter accepted the documentation and considered it sufficient to support the stability of the income used for qualifying. The DTI permitted is 43% and with the omission of the rental income from the property the DTI increases from 22.48% to 27.14% which is within the approval parameters. Please re-evaluate the loan without using the income from the property in question. The risk in minimal with the LTV 48.54% and the borrower having a satisfactory mortgage history for 14 years. Reviewer Comment (2019-05-07): A lease agreement has been provided however subject lease is a month to month lease commencing on 8/15/13. Seller Comment (2019-05-03): Disagree: Please see a copy of the lease for 165 East O'Keefe. Document located in the file. 05/16/2019     1 A 09/27/2018 CA Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687544 26508454 504947507 11668511 26508454-6297 05/01/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $7,890.51 and disclosure timing violations. Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding. Uploaded E-Consent document with other exceptions. Seller Comment (2019-05-03): Disagree with finding. Attaching document showing the date and borrower E-Consent 05/03/2019     1 A 09/27/2018 CA Primary Refinance - Rate/Term No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687544 26508454 504947507 11668512 26508454-6543 05/01/2019 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 $2,232.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding E-Consent document remitted 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11668513 26508454-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certification Fee. Fee Amount of $61.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73156) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding E-Consent evidence provided 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11668525 26508454-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $925.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding E-Consent documentation provided 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11668560 26508454-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $695.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding. E-Consent evidence provided 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11668567 26508454-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7369) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding. E-Consent documentation provided 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11668568 26508454-6542 05/01/2019 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 $845.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding. E-Consent documentation provided 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11668569 26508454-6542 05/01/2019 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 $23.01 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding. E-Consent documentation provided 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11668570 26508454-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $9.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-03): AMC received required documents, exception is cleared. Seller Comment (2019-05-03): Disagree with finding. E-Consent evidence provided. 05/03/2019     1 A 09/27/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687544 26508454 504947507 11687345 26508454-25454 05/02/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   The loan images are missing a third party CDA however there are two appraisals.     Reviewer Comment (2019-05-28): The loan images contain two appraisal, the second is much higher supporting the value. 05/28/2019     1 A 09/27/2018 CA Primary Refinance - Rate/Term   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687544 26508454 504947507 11693043 26508454-6583 05/03/2019 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 $845.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7508) The fee was increased on the 8/7 CD, without explanation and was not listed as an increased charge on the 8/7 changed circumstance. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception.         05/03/2019   1 A 09/27/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206687545 26508455 504917586 11650353 26508455-6572 04/30/2019 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/05/31/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/15/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687545 26508455 504917586 11650354 26508455-4826 04/30/2019 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 06/14/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/14/2018) The final CD list a figure of $242.02 by which the total closing costs exceed the legal limit.     Reviewer Comment (2019-05-08): Tolerance exceptions have been addressed. Exception Cleared. 05/08/2019     1 A 06/15/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687545 26508455 504917586 11650356 26508455-6542 04/30/2019 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 $615.00 exceeds tolerance of $525.00. Insufficient or no cure was provided to the borrower. (7506) The appraisal fee increased without a valid cure.     Reviewer Comment (2019-05-06): Cure provided at closing 05/06/2019     1 A 06/15/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687545 26508455 504917586 11650357 26508455-6542 04/30/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) The Appraisal Re-inspection was added without a valid cure.     Reviewer Comment (2019-05-06): Cure provided at closing 05/06/2019     1 A 06/15/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687545 26508455 504917586 11650358 26508455-6542 04/30/2019 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 $52.02 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) The Credit Report fee increased without a valid cure.     Reviewer Comment (2019-05-06): Cure provided at closing 05/06/2019     1 A 06/15/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687545 26508455 504917586 11650359 26508455-6542 04/30/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Capital Funding Fee. Fee Amount of $1,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7712) The HOA Capital Funding Fee was added without a valid cure.     Reviewer Comment (2019-05-08): AMC received PCCD with correct fee placement and LOE. Exception Cured. Seller Comment (2019-05-07): PCCD and LOE has been provided Reviewer Comment (2019-05-07): AMC reviewed exception. The HOA Capital Fee was disclosed on Section C on the 06/01/2018 CD. If the fee was not required by lender please provide corrected CD and LOE. Seller Comment (2019-05-06): Disagree - The HOA Capital Funding Fee is disclosed in Section H of the buyer's CD. This fee is a non tolerance fee paid to xxxx and should not be tested as 0% tolerance. The fee is not subject to tolerance testing and loan does not fail testing.   05/08/2019   2 B 06/15/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687545 26508455 504917586 11676930 26508455-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77222) LE did not disclose. $4.50 to both seller & buyer.     Reviewer Comment (2019-05-08): Upon further review this fee may be treated as any other title fee. Exception Cleared. Reviewer Comment (2019-05-08): AMC reviewed exception. The information given below will be shared. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-07): This same exact issue occurred on loan xxxx / xxxx and the issue was cleared, why does the response not satisfy this loan as the fee and term is the exact same? Reviewer Comment (2019-05-07): AMC reviewed exception. TX Title Guaranty (also known as a guaranty assessment recoupment charge, or �GARC�) is a fee required to be collected by each TX Title Agent for each owners and lenders title insurance policy issued from 2004 through December 31, 2013 and again from April 1, 2016 through December 31, 2017 and is ultimately payable to TTGIA (Texas Title Insurance Guaranty Association). While the title company is responsible for the collection of the fee (which the borrower may or may not shop for) the fee itself is ultimately passed onto the Texas Title Insurance Guaranty Association (TTGIA). Given the ultimate payee/provider is not shoppable, it is subject to 0% tolerance. Seller Comment (2019-05-06): Disagree � The Title-Policy Guarantee Fee would fall under the 10% tolerance testing as this fee was not disclosed to the borrower as a fee they cannot shop for. The borrower shopped for their title services which makes all title fees excluded from tolerance testing. In addition, the $4.50 paid by the seller is a Seller Charge and would not fall under TRID testing. No TRID violation occurred. The commentary for 1026.37(f)(2) clarifies that the items to be included under �Services You Cannot Shop For� are for those services that the creditor requires in connection with the transaction that would be provided by persons other than the creditor or mortgage broker and for which the creditor does not permit the consumer to shop. xxxx allowed the borrower to shop for title fees. The GARC is not a fee for a service required by xxxx. It is a title service fee that is ancillary to the transaction. Ten percent is the appropriate tolerance to be applied. 05/08/2019     1 A 06/15/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687545 26508455 504917586 11677043 26508455-25838 05/02/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: 3622 T Street NW, Washington, DC Insurance Verification, Tax Verification Taxes and insurance show on tax returns of LLC but tax bill and insurance policy not provided.     Reviewer Comment (2019-05-08): Form 8825 of the 2017 1065 was used to document the taxes and insurance. Seller Comment (2019-05-07): 5/7/2019: Disagree: Taxes and insurance are present on the 2017 1065 Tax Returns. Guidelines do not state that the insurance dec page or tax certificate needs to be provided in addition to the Tax returns. Sufficient documentation has been provided to support the amount for taxes and insurance. Please see the attached Tax form, Mortgage statement and guidelines for Rental income. 05/08/2019     1 A 06/15/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687546 26508456 504923767 11651692 26508456-5787 04/30/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Late Payment Test TILA-RESPA Integrated Disclosure- Loan Disclosures: Final Closing Disclosure provided on 06/29/2018 did not disclose the terms of the Late Payment. (Final/06/29/2018) The amount of the late fee (dollar or percentage) is blank on the consumer's final CD.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/03/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687546 26508456 504923767 11651721 26508456-3879 04/30/2019 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. The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/03/2018 TX Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687546 26508456 504923767 11652187 26508456-4826 04/30/2019 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 06/29/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/29/2018) Cure of $9.00 for Title - GARC Fee was not provided.     Reviewer Comment (2019-05-07): AMC received an attestation the GARC fee is required by Borrower's chosen provider. 05/07/2019     1 A 07/03/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687546 26508456 504923767 11670446 26508456-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $9.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77223) Fee was not disclosed on Loan Estimate.     Reviewer Comment (2019-05-07): AMC received an attestation the GARC fee is required by Borrower's chosen provider. Seller Comment (2019-05-06): The commentary for 1026.37(f)(2) clarifies that the items to be included under �Services You Cannot Shop For� are for those services that the creditor requires in connection with the transaction that would be provided by persons other than the creditor or mortgage broker and for which the creditor does not permit the consumer to shop. xxxx allowed the borrower to shop for title fees. The GARC is not a fee for a service required by xxxx. It is a title service fee that is ancillary to the transaction. Ten percent is the appropriate tolerance to be applied if the borrower did not shop. Reviewer Comment (2019-05-03): TX Title Guaranty (also known as a guaranty assessment recoupment charge, or �GARC�) is a fee required to be collected by each TX Title Agent for each owners and lenders title insurance policy issued from 2004 through December 31, 2013 and again from April 1, 2016 through December 31, 2017 and is ultimately payable to TTGIA (Texas Title Insurance Guaranty Association). While the title company is responsible for the collection of the fee (which the borrower may or may not shop for) the fee itself is ultimately passed onto the Texas Title Insurance Guaranty Association (TTGIA). Given the ultimate payee/provider is not shoppable, it is subject to 0% tolerance. Seller Comment (2019-05-03): Disagree - The Title-Policy Guarantee Fee would fall under the 10% tolerance testing as this fee was not disclosed to the borrower as a fee they cannot shop for, The borrower shopped for their title services which makes all title fees excluded from tolerance testing. In addition the $4.50 paid by the seller is a Seller Charge and would not fall under TRID testing. No TRID violation occurred. 05/07/2019     1 A 07/03/2018 TX 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
206687547 26508458 504956038 11663088 26508458-6582 05/01/2019 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 $315.50 exceeds tolerance of $259.00 plus 10% or $284.90. Sufficient or excess cure was provided to the borrower at Closing. (0) Sufficient cure was provided to the borrowers at closing.         05/01/2019   1 A 09/28/2018 FL Primary Purchase Final CD evidences Cure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687547 26508458 504956038 11663090 26508458-6583 05/01/2019 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 $1,760.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Sufficient cure was provided to the borrowers at closing.         05/01/2019   1 A 09/28/2018 FL Primary Purchase Final CD evidences Cure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687547 26508458 504956038 11670769 26508458-25838 05/01/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address:xxxxx Statement Missing documentation of PITIA.     Reviewer Comment (2019-05-08): Received verification of liability for xxxx. Seller Comment (2019-05-06): 5/6/20019: Documents located in the file. Please see the attached REO documents for xxxx 05/08/2019     1 A 09/28/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687547 26508458 504956038 11691196 26508458-7456 05/03/2019 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 07/31/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/28/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687547 26508458 504956038 11691197 26508458-7456 05/03/2019 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 07/31/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Herve,Severine MGT Trading Inc/S-Corp) 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/28/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687548 26508463 504994742 11665288 26508463-23688 05/01/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.     Reviewer Comment (2019-05-08): Received insurers estimated minimum rebuilding costs. Seller Comment (2019-05-08): Please see the attached insurance documentation with sufficient insurance coverage. Reviewer Comment (2019-05-07): Coverage amount of $500,000 + additional 25% = $125,000 for total coverage of $625,000. 80% of the insurable value is $655,140.80. Coverage is short $30,140.80. Missing insurance company's Replacement Cost Estimator value to verify sufficient coverage. Seller Comment (2019-05-03): Borrower has Home Protector coverage which provides additional coverage of up to 25% of the dwelling coverage when the normal homeowners insurance limits aren't enough to repair covered damages. Dwelling coverage is $600000.00. Then the Home Protector Coverage has coverage up to 25% which would increase the coverage by $150000.00. Total coverage amount is $750,000.00 which is at least 80% of the insurable value of the improvements. Please see the attached insurance information. 05/08/2019     1 A 11/09/2018 TX Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687548 26508463 504994742 11666242 26508463-3136 05/01/2019 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 not provided to applicant within three (3) business days of application.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 11/09/2018 TX Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687548 26508463 504994742 11666244 26508463-25506 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 8,444.16 on Final Closing Disclosure provided on 11/02/2018 not accurate. (Final/11/02/2018) : Amount of Escrowed Property Costs over Year 1 of 8,444.16 on Final Closing Disclosure provided on 11/02/2018 not accurate.     Reviewer Comment (2019-05-07): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-06): The amounts vary by $0.05, is this considered a material finding? 05/07/2019     1 A 11/09/2018 TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687548 26508463 504994742 11666245 26508463-4673 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/02/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/788213) Final Closing Disclosure provided on 11/02/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.     Reviewer Comment (2019-05-07): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-06): Disagree - The total escrowed payment is $703.68 for 1 month of Flood Insurance. The total Monthly payment for P&I $3144.41 and Escrow (Flood) $703.68 for a total of $3848.09, which match the Payment Letter and the Escrow Disclosure Statement. Payment Letter, Escrow Disclosure and PCCD CD has been provided. 05/07/2019     1 A 11/09/2018 TX Second Home 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
206687548 26508463 504994742 11666259 26508463-4826 05/01/2019 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 11/02/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/02/2018) Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $300.00 exceeds tolerance.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 11/09/2018 TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687548 26508463 504994742 11666265 26508463-4866 05/01/2019 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 (2019-05-13): Client elects to waive     05/13/2019 2 B 11/09/2018 TX Second Home Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687548 26508463 504994742 11666266 26508463-6543 05/01/2019 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 $140.00 exceeds tolerance of $120.00 plus 10% or $132.00. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of $140.00 exceeds tolerance     Reviewer Comment (2019-05-02): The lender provided the borrower a credit cure of $8 for the tolerance fee failure   05/02/2019   2 B 11/09/2018 TX 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 Safe Harbor QM Safe Harbor QM Yes
206687548 26508463 504994742 11666278 26508463-24188 05/01/2019 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 $23,508.84 on Final Closing Disclosure provided on 11/02/2018 not accurate. (Final/11/02/2018) Amount of Non-Escrowed Property Costs over Year 1 of $23,508.84 on Final Closing Disclosure provided on 11/02/2018 not accurate. The Windstorm coverage of $6681.00, taxes $1632.92 and HOA of $396 is a total of $23,398.92     Reviewer Comment (2019-05-20): AMC received PCCD correcting non escrowed property cost and LOE. Exception Cured Seller Comment (2019-05-17): Corrected CD has been provided and Flood Insurance has been provided showing $8444.11. Reviewer Comment (2019-05-15): The flood insurance policy value is $8444.16 however only $8444.11 was collected and reported on the PCCD. The monthly payment of $703.68 is correct and equals $8444.16. The non-escrow cost over year 1 is taxes at $16321.92, HOA of $396.00, HOI of $805.95 and wind of $6681.00. The total non-escrow cost over year 1 should be $24,204.87 but the PCCD lists this cost as $23.398.92 for a difference of $805.95 which is the HOI premium. Seller Comment (2019-05-14): Provide more detail with regards to the reviewers comment "seems". The PCCD was corrected as detailed in the exception. Reviewer Comment (2019-05-13): 5/9/2019 CD page 4 seems to be missing HOA fees.   05/20/2019   2 B 11/09/2018 TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687548 26508463 504994742 11671673 26508463-4612 05/01/2019 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 11/02/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/788213) Monthly payment includes partial escrow of flood insurance in the amount of $703.68.     Reviewer Comment (2019-05-07): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-06): Disagree - The total escrowed payment is $703.68 for 1 month of Flood Insurance. The total Monthly payment for P&I $3144.41 and Escrow(Flood) $703.68 for a total of $3848.09, which match the Payment Letter and the Escrow Disclosure Statement. Payment Letter, Escrow Disclosure and PCCD CD has been provided. 05/07/2019     1 A 11/09/2018 TX Second Home 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
206687549 26508466 504930206 11653346 26508466-6582 04/30/2019 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 $200.00 exceeds tolerance of $150.00 plus 10% or $165.00. Sufficient or excess cure was provided to the borrower at Closing. (0) ($35.00) violation due to increase in (Recording fee(s)). Cure was provided to the borrower on Final CD at closing.         04/30/2019   1 A 07/07/2018 CA Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687549 26508466 504930206 11671251 26508466-3495 05/01/2019 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/06/28/2018) Appraisal report date is 06/28/18 and effective date is 06/14/18 and borrower received a copy of the appraisal on 06/14/18.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/07/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687550 26508467 470034875 11663982 26508467-4371 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/18/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/09/18/2018) The final Closing Disclosure reflects a Closing Date of 09/18/2018, but the transaction consummation mortgage notary date was 09/19/2018. This item is corrected on the post-closing CD issued on 10/01/2018.     Reviewer Comment (2019-05-02): The final Closing Disclosure reflects a Closing Date of 09/18/2018, but the transaction consummation mortgage notary date was 09/19/2018. This item is corrected on the post-closing CD issued on 10/01/2018.   05/02/2019   1 A 09/18/2018 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
206687550 26508467 470034875 11664903 26508467-6542 05/01/2019 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 $57.02 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) Cure of $7.02 was provided at closing.     Reviewer Comment (2019-05-02): A cure was provided at closing to the borrower.   05/02/2019   2 B 09/18/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687550 26508467 470034875 11678208 26508467-25034 05/02/2019 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 43.76422% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)       Reviewer Comment (2019-05-16): The credit report listed a much lower required payment for the HELOC however the lender had used the payments the borrower had been making. Returning the payment of the HELOC based on the credit report the borrower DTI is in line. Also all RSU income was not included Seller Comment (2019-05-15): The loan was qualified using a fully amortized payment for the 1st mortgage at 4.5%. re-evaluated and used the payment reporting on the credit of $400 for the HELOC secured by their primary and removed the co-borrowers RSU income. DTI is now just < 38%. They meet the credit and reserves requirements as well. Please see the attached 1003 and 1008 05/16/2019     1 A 09/18/2018 CA Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687550 26508467 470034875 11678215 26508467-3867 05/02/2019 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. Per Jumbo Fixed guidelines, income from Restricted Stock Units is not allowed. Such income was used by lender to qualify borrower. Income not entered in Clarity as guidelines disallow use.     Reviewer Comment (2019-05-16): The credit report listed a much lower required payment for the HELOC however the lender had used the payments the borrower had been making. Returning the payment of the HELOC based on the credit report the borrower DTI is in line. Also all RSU income was not included Seller Comment (2019-05-15): The loan was qualified using a fully amortized payment for the 1st mortgage at 4.5%. re-evaluated and used the payment reporting on the credit of $400 for the HELOC secured by their primary and removed the co-borrowers RSU income. DTI is now just < 38%. They meet the credit and reserves requirements as well. Please see the attached 1003 and 1008 05/16/2019     1 A 09/18/2018 CA Second Home Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687550 26508467 470034875 11678216 26508467-1257 05/02/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Per Jumbo Fixed guidelines, income from Restricted Stock Units is not allowed. Such income was used by lender to qualify borrower. Income not entered in Clarity as guidelines disallow use.     Reviewer Comment (2019-05-16): The credit report listed a much lower required payment for the HELOC however the lender had used the payments the borrower had been making. Returning the payment of the HELOC based on the credit report the borrower DTI is in line. Also all RSU income was not included Seller Comment (2019-05-15): The loan was qualified using a fully amortized payment for the 1st mortgage at 4.5%. re-evaluated and used the payment reporting on the credit of $400 for the HELOC secured by their primary and removed the co-borrowers RSU income. DTI is now just < 38%. They meet the credit and reserves requirements as well. Please see the attached 1003 and 1008 05/16/2019     1 A 09/18/2018 CA Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687550 26508467 470034875 11678935 26508467-5366 05/02/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 43.76422% exceeds Guideline total debt ratio of 43.00000%. Per Jumbo Fixed guidelines, income from Restricted Stock Units is not allowed. Such income was used by lender to qualify borrower. Income not entered in Clarity as guidelines disallow use.     Reviewer Comment (2019-05-16): The credit report listed a much lower required payment for the HELOC however the lender had used the payments the borrower had been making. Returning the payment of the HELOC based on the credit report the borrower DTI is in line. Also all RSU income was not included Seller Comment (2019-05-15): The loan was qualified using a fully amortized payment for the 1st mortgage at 4.5%. re-evaluated and used the payment reporting on the credit of $400 for the HELOC secured by their primary and removed the co-borrowers RSU income. DTI is now just < 38%. They meet the credit and reserves requirements as well. Please see the attached 1003 and 1008 05/16/2019     1 A 09/18/2018 CA Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687550 26508467 470034875 11679057 26508467-5695 05/02/2019 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. Per Jumbo Fixed guidelines, income from Restricted Stock Units is not allowed. Such income was used by lender to qualify borrower. Income not entered in Clarity as guidelines disallow use.     Reviewer Comment (2019-05-16): The credit report listed a much lower required payment for the HELOC however the lender had used the payments the borrower had been making. Returning the payment of the HELOC based on the credit report the borrower DTI is in line. Also all RSU income was not included Seller Comment (2019-05-15): The loan was qualified using a fully amortized payment for the 1st mortgage at 4.5%. re-evaluated and used the payment reporting on the credit of $400 for the HELOC secured by their primary and removed the co-borrowers RSU income. DTI is now just < 38%. They meet the credit and reserves requirements as well. Please see the attached 1003 and 1008 05/16/2019     1 A 09/18/2018 CA Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671674 26508470-7453 05/01/2019 Compliance Compliance Federal Compliance C-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (C-Corp). (Cahoon,Donald Cahoon Farms, Inc/C-Corp 1120) The 2017 individual and business tax returns were not provided, however a 2017 P&L and balance sheets were provided and captured. Extension was provided.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled. Seller Comment (2019-05-08): Please see the attached 2017 Extension for individual Tax Returns, 2016 and 2015 Individual Tax Returns, W2 from Cahoon Farms Inc and 2017 Extension for Cahoon Farms along with 2016 & 2015 1120 Tax Returns       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671675 26508470-1003 05/01/2019 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 25% Ownership) income. (xxxxx/Schedule K-1 less than 25 Percent) 2017 individual tax returns extension provided, however no extension provided for business.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled. Seller Comment (2019-05-08): Per Jumbo Guidelines a borrower is considered self-employed if ownership is greater than 25%. Borrower has only 20% ownership. 2017 K1 was provided to support the income used for qualifying. Tax Returns are not required due to borrower does not have 25% ownership       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671680 26508470-7455 05/01/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxxxx Missing business tax returns for 2017. Extension was filed. .     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled. Seller Comment (2019-05-08): Please see the attached 2017 Extension, 2016 and 2015 1120S Tax Returns along with the signed pages       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671682 26508470-7456 05/01/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Cahoon,Donald Dry House, LLC/Partnership) Missing 2017 tax returns, an extension for business wad filed.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671686 26508470-1223 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent) Missing tax return extension for business. Missing Third party verification.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled. Seller Comment (2019-05-08): Please see the attached guidelines which state that a borrower is considered self employed if the ownership is greater than 25%. Borrower ownership is less than 25%.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671687 26508470-25519 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Partnership Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (xxxx/Partnership) Missing Third party verification.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671688 26508470-25521 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - S-Corp Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status using reasonably reliable third-party records. (xxxxx./S-Corp) Missing Third party verification.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671689 26508470-1231 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (Cxxxx/Schedule K-1 less than 25 Percent) Missing Third party verification.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled. Seller Comment (2019-05-09): Please reconsider the exception cited. If the income is reduced by the income from Noohac $1020.63 the loan still meets the QM requirement. Total income $25979.77- $1020.63= $24959.14. Total liabilities $8145.42/ $24959.14= 32.63%. Loan is still QM compliant. Seller Comment (2019-05-08): Please see the attached guidelines which state that a borrower is not considered self- employed if ownership is less than 25%. Borrower ownership is 20%       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671690 26508470-4204 05/01/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing 2017 personal and business 1040's, 1120's and 1065's tax returns.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671692 26508470-20305 05/01/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Cahoon,Donald Dry House, LLC/Partnership) Borrowers filed a 2017 extension.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11671694 26508470-3867 05/01/2019 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. Failing loan designation due to incomplete income documentation     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled.       1 A 07/27/2018 NY Primary Purchase Lender to provide updated ATR/QM status B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687551 26508470 504946710 11671695 26508470-4826 05/01/2019 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 07/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/27/2018) Cure for 0% tolerance violations ($3,274.73) not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/27/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687551 26508470 504946710 11671699 26508470-3879 05/01/2019 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. Tool kit not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/27/2018 NY Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11676435 26508470-1003 05/02/2019 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 25% Ownership) income. (Cahoon,Donald Cahoon Farms Leasing, LLC/Schedule K-1 less than 25 Percent) Missing signed 2016 and 2017 1065's     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled. Seller Comment (2019-05-08): Please see the attached Jumbo Guidelines which state that borrower is not considered self-employed if ownership is less than 25%. Borrower ownership is less than 25%.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11676436 26508470-7456 05/02/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) Borrowers filed an extension for 2017 1120's.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11676460 26508470-1223 05/02/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent) Missing verification of employment.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled. Seller Comment (2019-05-08): Please see the attached guidelines which state that borrower is not considered self - employed if the ownership is less than 25%. Borrower's ownership is less than 25%       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11676461 26508470-1231 05/02/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (Cahoon,Donald Cahoon Farms Leasing, LLC/Schedule K-1 less than 25 Percent) Missing verification of employment.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11676462 26508470-20305 05/02/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Cahoon,Donald Wolcott Cold Storage, Inc./S-Corp) Extension in file.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11856209 26508470-7456 05/14/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxx/Schedule K-1 less than 25 Percent)       Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11856210 26508470-7456 05/14/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Cahoon,Donald Cahoon Farms Leasing, LLC/Schedule K-1 less than 25 Percent)       Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11856228 26508470-20305 05/14/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxx/Schedule K-1 less than 25 Percent) Personal and Business tax return extensions for 2017 have been provided.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687551 26508470 504946710 11856229 26508470-20305 05/14/2019 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 07/05/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxLLC/Schedule K-1 less than 25 Percent) Personal and Business tax return extensions for 2017 have been provided.     Reviewer Comment (2019-05-14): Upon further research, exception has been cancelled.       1 A 07/27/2018 NY Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687552 26508471 504917985 11654965 26508471-4826 04/30/2019 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 07/11/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/11/2018) 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/11/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11655068 26508471-7115 04/30/2019 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 disclosed initial escrow deposit of $4,365.58, however, Initial Escrow Account Statement disclosed $8,731.16.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/11/2018 NY Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11664481 26508471-5787 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Late Payment Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/11/2018 incorrectly disclosed the terms of the Late Payment. (Final/07/11/2018) Final CD disclosed the terms of the Late Payment as 15 days and 5%, however, the actual terms are 15 days and 2% per Note.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/11/2018 NY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11664482 26508471-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $937.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $937.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrowe     Reviewer Comment (2019-05-16): A VCOC was provided showing the rate lock extension Seller Comment (2019-05-16): Disagree - Document sent 5/14/2019 at 2:32 PM and has been uploaded again. Reviewer Comment (2019-05-15): AMC did not receive any additional documentation related to exception. LE/CD history is provided indicating change however date change change occurred causing change of circumstance is not indicated. Seller Comment (2019-05-14): COC documentation has been provided. Reviewer Comment (2019-05-08): AMC received LE/CD history however the date the change occurred is not identified. Please provide change date for review. Seller Comment (2019-05-07): See attached LE/CD History with COC documentation on page 2 Reviewer Comment (2019-05-07): Unable to address the exception. Current changed circumstance documents in file are illegible or not clearly dated. Clear documents or PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/16/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11664572 26508471-4866 05/01/2019 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. Evidence that borrower received copy of Home Loan Toolkit Disclosure within 3 business days prior of application was not provided.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/11/2018 NY Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687552 26508471 504917985 11675542 26508471-2808 05/02/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-09): Received commitment letter. Seller Comment (2019-05-07): 5/7/2019: Please see the attached Loan Approval. Document was located in the file. Please see the attached. 05/09/2019     1 A 07/11/2018 NY Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687552 26508471 504917985 11675718 26508471-3831 05/02/2019 Credit Credit Miscellaneous Credit Exception:   Three months Bank of America Statements provided, however, they are not consecutive. Statements provided from 01/2018 to 02/2018, 02/2018 to 03/2018 and 04/2018 to 05/2018. Statement for period of 03/2018 to 04/2018 was not provided.     Reviewer Comment (2019-05-16): No funds were used and the images contain 2 months with no large increase or decrease Seller Comment (2019-05-15): Disagree: There were no funds used from the BOA statement for closing. The statement was provided to show the deposit checks clearing, this is why April to May was provided 05/16/2019     1 A 07/11/2018 NY Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687552 26508471 504917985 11676467 26508471-6297 05/02/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $33,022.50 and disclosure timing violations. Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 NY Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687552 26508471 504917985 11676468 26508471-6543 05/02/2019 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 $20,045.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676469 26508471-6542 05/02/2019 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 $5,625.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676470 26508471-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676471 26508471-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676472 26508471-6542 05/02/2019 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 $495.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676473 26508471-6542 05/02/2019 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 $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676474 26508471-6542 05/02/2019 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 $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676475 26508471-6542 05/02/2019 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 $4,700.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-07): AMC received required documents, exception is cleared. Seller Comment (2019-05-07): Please see the attached E-consent and doc tracking 05/07/2019     1 A 07/11/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687552 26508471 504917985 11676658 26508471-25838 05/02/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx Documentation to verify mortgage payment includes taxes, insurance and maintenance for property at xxxx was not provided.     Reviewer Comment (2019-05-09): Received mortgage statement, tax and insurance verification. Seller Comment (2019-05-07): 5/7/2019: Disagree: Borrower qualified with the entire payment. Please see the attached Mortgage statement, Insurance, Tax Bill and Evidence of HOA dues. Documentation was located in the file. 05/09/2019     1 A 07/11/2018 NY Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687554 26508474 505011837 11666694 26508474-23385 05/01/2019 Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: 11/30/2018, Valuation Type: Desk Review / Valuation Report Date: 12/23/2018 The city on the Note is xxxx. The city on the appraisal is Town & Country with no explanation provided.     Reviewer Comment (2019-05-14): Per USPS Zip Code search of xxxx, recommended city name is Chesterfield. In addition, other city names are Town and Country, and Twn and Cntry. Reviewer Comment (2019-05-14): Per USPS Zip Code search of 63017, recommended city name is Chesterfield. In addition, other city names are Town and Country, and Twn and Cntry. Seller Comment (2019-05-07): See attached Lexis Nexis Location Report (Address Variations section) that confirms one and the same. 05/14/2019     1 A 01/09/2019 MO Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687554 26508474 505011837 11667160 26508474-1034 05/01/2019 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/Schedule C) Borrower started this employment 11/26/2016. Therefore, not a full 24 months calculation.     Reviewer Comment (2019-05-14): Per Lender's updated comments, they are not using Schedule C income to qualify. Lender used borrower base salary of $22,522.55 and 24 month average of overtime of $7,520.83. Final 1008 reflects 40.98% DTI. Seller Comment (2019-05-07): Disagree. No self-employment income was used to qualify. See attached income calculation worksheet. 05/14/2019     1 A 01/09/2019 MO Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687554 26508474 505011837 11667162 26508474-7457 05/01/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Abdeen,Basem Basem M. Abdeen/Schedule C) Per Lender guidelines, a Current YTD P&L and Balance Sheet through the most recent quarter are required for Sole Proprietor income and are missing.     Reviewer Comment (2019-05-14): Per Lender's updated comments, they are not using Schedule C income to qualify. Lender used borrower base salary of $22,522.55 and 24 month average of overtime of $7,520.83. Final 1008 reflects 40.98% DTI. Seller Comment (2019-05-07): Disagree. xxxx product guidelines state, "If the borrower has self- employment income and/or zero income reported, and it is not needed to qualify, it is not required to obtain the P&L and balance sheet." The borrower has positive income for both 2016 and 2017. No self-employment income was used to qualify. 05/14/2019     1 A 01/09/2019 MO Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687554 26508474 505011837 11667169 26508474-3867 05/01/2019 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. Loan is failing ATR due to missing income documentation.     Reviewer Comment (2019-05-14): Per Lender's updated comments, they are not using Schedule C income to qualify. Lender used borrower base salary of $22,522.55 and 24 month average of overtime of $7,520.83. Final 1008 reflects 40.98% DTI. Seller Comment (2019-05-10): Disagree. xxxx product guidelines state, "If the borrower has self- employment income and/or zero income reported, and it is not needed to qualify, it is not required to obtain the P&L and balance sheet." The borrower has positive income for both 2016 and 2017. No self-employment income was used to qualify. 05/14/2019     1 A 01/09/2019 MO Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687555 26508475 504931116 11664081 26508475-6276 05/01/2019 Credit Assets Asset Documentation Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution:xxxx/ End Date: 04/30/2018 // Account Type: Checking / Account Number: xxxx Asset Account Date: 04/30/2018       Reviewer Comment (2019-05-09): Received updated statement. Seller Comment (2019-05-07): Attached is a copy of the bank statement from the file for xxxx checking account #xxxx for period ending 5/31/2018. Based on note/closing date of 8/3/2018, the bank statement is not aged. 05/09/2019     1 A 08/03/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687555 26508475 504931116 11664646 26508475-4826 05/01/2019 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 07/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/27/2018) 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/03/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687555 26508475 504931116 11680299 26508475-25838 05/02/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx Insurance Verification Insurance verification for 6419 Pine Ave, Sanibel, FL was not provided.     Reviewer Comment (2019-05-09): Received updated mortgage statement indicating loan is on vacant land. Seller Comment (2019-05-07): Property at xxxx. is vacant land and has no HOI. Attached is loan billing statement that reflects property is vacant land and attached pages of FraudGuard report also reflect property is vacant land. Loan qualified with vacant land loan payment and property taxes. Public records search via xxxxappraiser indicate property remains vacant land in 2019. 05/09/2019     1 A 08/03/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687555 26508475 504931116 11680394 26508475-23083 05/02/2019 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. (Wendy/Webb/2638476) Employment dates captured.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 FL Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687556 26508476 504965893 11665855 26508476-23688 05/01/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance amount of $985,000 is not enough to cover the loan amount of $1,510,255 or appraisal replacement cost of $1,160,450. 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 (2019-05-08): Received policy with sufficient coverage. Seller Comment (2019-05-06): Please see the attached insurance page 3 which reflects sufficient coverage 05/08/2019     1 A 09/18/2018 CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687556 26508476 504965893 11667570 26508476-7456 05/01/2019 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 08/14/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/Partnership) Missing 2017 tax return extension for Atrenet Inc.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/18/2018 CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687556 26508476 504965893 11667571 26508476-7456 05/01/2019 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 08/14/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) Missing 2017 tax return extension for Atrenet Inc.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/18/2018 CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687557 26508477 505011095 11668395 26508477-3867 05/01/2019 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. Loan is failing ATR due to missing income documentation for Interest & Dividends income used.     Reviewer Comment (2019-05-13): Per Lender's comments, removed dividend income. Loan still meets DTI guidelines. Seller Comment (2019-05-09): Please reconsider the exception cited. If the Dividend/ Interest income is removed the loan still qualifies. Dividend/ Interest income $407.83 - Total income $22817.09= $22409.26. Total liabilities $7901.55/ $22817.09= 35.26% DTI. Loan is still QM compliant if the Dividend/ Income is removed. 05/13/2019     1 A 02/15/2019 FL Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687557 26508477 505011095 11668398 26508477-6297 05/01/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $25,899.90 and disclosure timing violations. E-sign consent is missing. Please provide evidence Borrower consented to electronic delivery and signing within 3 days of application.     Reviewer Comment (2019-05-13): E-Consent provided. Exception cleared. Seller Comment (2019-05-13): See Disclosure Tracking uploaded Reviewer Comment (2019-05-09): Exception regraded to EV3-C 05/13/2019     1 A 02/15/2019 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687557 26508477 505011095 11668399 26508477-4826 05/01/2019 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 02/12/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/12/2019) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation. A cure was not disclosed on the final Closing Disclosure.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 02/15/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687557 26508477 505011095 11668401 26508477-3907 05/01/2019 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/01/13/2019) The first Loan Estimate was issued to Borrower 1/13/2019 which is not within 3 days of application date of 11/20/2018.     Reviewer Comment (2019-05-09): AMC received the LOX, final address determined 1/13/2019. Exception cleared. Seller Comment (2019-05-08): The Purchase Agreement was not signed by the Buyer and Seller until 1/10/19 and 1/11/19, the Lender received the contract on 1/13/19 at which time the LE was provided to the borrower on 1/13/19. The timeline of the timing requirements is accurate and per the LOX the application date was a clerical error. Please review PA attached. Reviewer Comment (2019-05-08): AMC is unable to address this timing issue. The document was not received by the borrower within the required guidelines. Seller Comment (2019-05-07): LOX for application discrepancy has been provided. 05/09/2019     1 A 02/15/2019 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687557 26508477 505011095 11668403 26508477-4916 05/01/2019 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. The Settlement Service Provider List was provided to Borrower 1/13/2019 which is not within 3 days of application date of 11/20/2018.     Reviewer Comment (2019-05-09): AMC received the LOX, final address determined 1/13/2019. Exception cleared. 05/09/2019     1 A 02/15/2019 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687557 26508477 505011095 11668404 26508477-6543 05/01/2019 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 $164.50 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668406 26508477-6542 05/01/2019 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 $10,800.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-13): E-Consent provided. Exception cleared. 05/13/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668407 26508477-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $895.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668408 26508477-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $745.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668409 26508477-6542 05/01/2019 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 $635.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668410 26508477-6542 05/01/2019 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 $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668411 26508477-6542 05/01/2019 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 $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668412 26508477-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $19.45 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7575) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668413 26508477-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11668414 26508477-6542 05/01/2019 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 $69.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Loan Estimate was signed electronically, but an electronic consent form is missing. Fees, therefore, not recognized and included in calculation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Baseline 05/09/2019     1 A 02/15/2019 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
206687557 26508477 505011095 11680771 26508477-1000 05/02/2019 Compliance Compliance Federal Compliance Interest Dividend Income Qualified Mortgage (Dodd-Frank 2014): Continuation of Interest/Dividend income supported with sufficient verified assets requirement not met. (xxxx Dividends/Schedule B) Lender guidelines require proof of continuation of asset which is missing.     Reviewer Comment (2019-05-13): Per Lender's comments, removed dividend income. Loan still meets DTI guidelines. Seller Comment (2019-05-09): Please reconsider the exception cited. While the documentation for the dividend/ interest was not provided the loan still qualifies if the income is removed. Dividend/ Interest income $407.83 - Total Income $22817.09= $22409.26. Total Liabilities $7901.55/ $22409.29= 35.26% DTI. Ratios still within Guidelines. 05/13/2019     1 A 02/15/2019 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687558 26508478 504909131 11663840 26508478-25820 05/01/2019 Compliance Compliance Federal Compliance TILA NMLSR - Originator Company Not Licensed at time of Application Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not NMLS licensed or registered at time of application. Most recent license issue date is 11/08/2018     Reviewer Comment (2019-05-13): Received documentation evidencing Originator Organization, xxxx, was actively registered through the Board of Governors of the Federal Reserve System at the time of application. Seller Comment (2019-05-08): Disagree: Please see the attached document which supports that the NMLS was active. Reviewer Comment (2019-05-07): The originator company issue date for the state of GA was not until 11/2018, the application date is 5/1/2018. Seller Comment (2019-05-07): Disagree - NMLS most recent active date was 5/8/2018, see attached NMLS Testing Results. 05/13/2019     1 A 06/08/2018 GA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687558 26508478 504909131 11679838 26508478-22137 05/02/2019 Compliance Compliance Federal Compliance Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements GA does not require a Notary date on security instrument.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/08/2018 GA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687558 26508478 504909131 11679839 26508478-7041 05/02/2019 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) 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 property state is in the 1st, 4th, 6th, or 11th circuit.) Current lender is the same lender as the Note however the wrong RTC form was used.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 A 06/08/2018 GA 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 Safe Harbor QM Safe Harbor QM Yes
206687558 26508478 504909131 11723119 26508478-25819 05/06/2019 Compliance Compliance Federal Compliance TILA NMLSR - Originator Company License Status Not Approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. Most recent license issue date is 11/08/2018     Reviewer Comment (2019-05-13): Received documentation evidencing Originator Organization, Brand Mortgage LLC, was actively registered through the Board of Governors of the Federal Reserve System at the time of application. Reviewer Comment (2019-05-07): The originator company issue date for the state of GA was not until 11/2018, the application date is 5/1/2018. Seller Comment (2019-05-07): Please see NMLS information for Company and Loan Originator showing active on 5/8/2018 when NMLS Test was completed Seller Comment (2019-05-07): Most recent NMLS active date was 5/8/2018, see attached NMLS test results 05/13/2019     1 A 06/08/2018 GA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687561 26508482 505015038 11681339 26508482-595 05/02/2019 Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Final title policy reflects vesting as 'Marilyn Claudia Nichols, a married woman, as her sole and separate property'. Security instrument reflects vesting as 'Marilyn Claudia Nichols, an unmarried woman'. Final 1008 indicates borrower is unmarried.     Reviewer Comment (2019-05-16): Received corrected Final Title reflecting corrected vesting. Seller Comment (2019-05-15): Please see the attached Title Policy 05/16/2019     1 A 01/30/2019 CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM No
206687562 26508483 504976510 11670087 26508483-25579 05/01/2019 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/10/02/2018) Date appraisal received by borrower not found in the loan file.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 10/10/2018 FL Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687562 26508483 504976510 11670829 26508483-25503 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,710.64 on Final Closing Disclosure provided on 10/10/2018 not accurate. (Final/10/10/2018) The verified taxes are $4032.58, HOI $1451 and HOA $4800 for a total cost year 1 of $10,283.58. The taxes reported on the final CD were $4637.47     Reviewer Comment (2019-05-22): Provided was a HOI dec page which shows the HOI premium and a cost which increased the monthly escrow. Seller Comment (2019-05-21): Per previous discussion with xxxx, the tolerance is $1. Please clear. Reviewer Comment (2019-05-20): Agree the total for taxes, insurance and HOA equal $12,710.58 however the final CD listed the value as $12710.64 which is a variance of .06c. A PCCD is required to correct. Seller Comment (2019-05-20): The amount used for calculation - HOI $1478, Taxes $4032.58 and HOA $7200 = $12710.58 documentation has been provided, however uploaded again. Reviewer Comment (2019-05-17): AMC reviewed exception and received tax bill. Please indicate amounts used and supporting documents if necessary to calculate $12710.64. The exception does not require a refund if cured only corrected CD and LOE. The tax bill provided does not calculate to $12710.64 with HOI and HOA. Seller Comment (2019-05-16): do not agree that any changes need to be made to this section specified on the CD. $12710.64/12 = 1059.22 is the estimate the Uw used to qualify. The attached proposed 2018 tax bill does not support the amount of $4637.47 collected at close to pay the 2018 taxes, suggesting a refund back to the borrower. Reviewer Comment (2019-05-15): Documentation in file reflect subject property annual taxes are $4,032.58, HO6 are $1,387.00, HOA are $4,800.00. Total property annual cost is $10,219.58. Final CD reflects annual cost as $12,710.64. Provide documentation for other annual cost not included in review. Did not locate evidence of higher HOA fees. Per appraiser, $400.00 per month. Seller Comment (2019-05-15): Per the Tax documentation provided the Total Annual Tax is $4032.58 Seller Comment (2019-05-15): The Limited/Streamline Review Uniform Condo Questionnaire & the HOA Assessment/invoice has been provided for review. The HOA is $600 month. 05/22/2019     1 A 10/10/2018 FL 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
206687562 26508483 504976510 11890748 26508483-25034 05/15/2019 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 43.97254% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) The HOA monthly fee was provided at $600.00 monthly and caused a DTI issue     Reviewer Comment (2019-05-16): Borrower has sufficient liquid assets and retirement funds to meet lender guidelines of excluding installment debt with less than 10 payments left. Excluded installment loan with $3,302.00 balance and $369.00 in monthly payments. Seller Comment (2019-05-16): The auto installment loan was not omitted- with less than 10 payments Using their data below, 7293.95 � 369 auto payment = 6924.95 / 16587.51 = 41.75% DTI The Jumbo express guides say: Installment debt with less than 10 payments must be included unless reserves can be documented in order to exclude The Wells Fargo account supports sufficient reserves for the auto account to remain omitted. 05/16/2019     1 A 10/10/2018 FL Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687562 26508483 504976510 11890749 26508483-3867 05/15/2019 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. The HOA monthly fee was provided at $600.00 monthly and caused a DTI issue     Reviewer Comment (2019-05-16): Borrower has sufficient liquid assets and retirement funds to meet lender guidelines of excluding installment debt with less than 10 payments left. Excluded installment loan with $3,302.00 balance and $369.00 in monthly payments. Seller Comment (2019-05-16): The auto installment loan was not omitted- with less than 10 payments Using their data below, 7293.95 � 369 auto payment = 6924.95 / 16587.51 = 41.75% DTI The Jumbo express guides say: Installment debt with less than 10 payments must be included unless reserves can be documented in order to exclude The xxxx account supports sufficient reserves for the auto account to remain omitted. 05/16/2019     1 A 10/10/2018 FL 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
206687562 26508483 504976510 11890750 26508483-1257 05/15/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. The HOA monthly fee was provided at $600.00 monthly and caused a DTI issue     Reviewer Comment (2019-05-16): Borrower has sufficient liquid assets and retirement funds to meet lender guidelines of excluding installment debt with less than 10 payments left. Excluded installment loan with $3,302.00 balance and $369.00 in monthly payments. Seller Comment (2019-05-16): The auto installment loan was not omitted- with less than 10 payments Using their data below, 7293.95 � 369 auto payment = 6924.95 / 16587.51 = 41.75% DTI The Jumbo express guides say: Installment debt with less than 10 payments must be included unless reserves can be documented in order to exclude The xxxx account supports sufficient reserves for the auto account to remain omitted. 05/16/2019     1 A 10/10/2018 FL Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687564 26508486 504964136 11669665 26508486-25454 05/01/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-28): A secondary product was provided 05/28/2019     1 A 08/31/2018 IN Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687564 26508486 504964136 11675791 26508486-6572 05/02/2019 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/08/15/2018) Acknowledgment of receipt of the appraisal was not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 IN Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687564 26508486 504964136 11675807 26508486-4826 05/02/2019 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 08/31/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/31/2018) A cure was not provided for the change in the total closing cost.     Reviewer Comment (2019-05-10): According to page 5 of PC "Seller agrees to pay the cost of obtaining all other documents necessary to perfect title", which includes recording fees. The seller paid portion of recording fee eliminates the zero tolerance violation. No cure required. 05/10/2019     1 A 08/31/2018 IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206687564 26508486 504964136 11675832 26508486-4828 05/02/2019 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 08/31/2018 incorrectly disclosed whether there was a change in the Seller Credit. (Final/08/31/2018) The LE disclosed a seller credit of -$150 but the final CD indicates $0 and states no this did not change.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206687564 26508486 504964136 11675839 26508486-6543 05/02/2019 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 $105.00 exceeds tolerance of $80.00 plus 10% or $88.00. Insufficient or no cure was provided to the borrower. (0) A change of circumstance, was not provided.     Reviewer Comment (2019-05-10): According to page 5 of PC "Seller agrees to pay the cost of obtaining all other documents necessary to perfect title", which includes recording fees. The seller paid portion of recording fee eliminates the zero tolerance violation. No cure required. Seller Comment (2019-05-09): The Seller paid portion of the recording fee is a fee the seller is required to pay as a part of their transaction and cannot be included in TRID testing. Reviewer Comment (2019-05-08): 1O% tolerance fee(s) consistes of the recording fees, which is not a shoppable fee and Borrower cannot choose the provider. The fee increased from $80 on baseline LE to $105 on final CD (31.25%) increase. A refund of $17 is required. Provide a Corrected CD, Copy of Refund Check, Letter of Explanation and Proof of Delivery to cure. Seller Comment (2019-05-08): 5/7/2019, Disagree - Loan does not fail 10% tolerance testing due to borrower shopped for title services and all fees are treated as non testable. No tolerance violation occurred. 05/10/2019     1 A 08/31/2018 IN 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
206687564 26508486 504964136 11683819 26508486-25838 05/02/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: 13333 West Letts Lane, Carmel, IN HOA Verification       Reviewer Comment (2019-05-08): Received HOA verification. Seller Comment (2019-05-07): .5/7/2019: Disagree: Please see the attached document to support the HOA dues for 13333 West Letts Lane. HOA dues $1215.00/12= $101.25. Document was located in the file. 05/08/2019     1 A 08/31/2018 IN Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687565 26508487 504979075 11667179 26508487-7038 05/01/2019 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/10/04/2018) Initial CD issued on 10/04/2018. No documentation provided to evidence actual receipt date.     Reviewer Comment (2019-05-22): Evidence provided the borrower received via email the closing disclosure dated 10/5/2018 Seller Comment (2019-05-21): Please see the attached proof of delivery 05/22/2019     1 A 10/09/2018 MO Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687565 26508487 504979075 11667226 26508487-23083 05/01/2019 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. (Douglas/Gaumer/2643018) Third Party Verification of self-employment not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/09/2018 MO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687565 26508487 504979075 11686175 26508487-23389 05/02/2019 Credit System General Closing Disclosure Subject Address does not match Note address. Date Issued: 10/05/2018, Date Issued: 10/09/2018, Date Issued: 10/04/2018, Date Issued: 10/12/2018 City on xxxxx. City on CD is Village of Loch Lloyd.     Reviewer Comment (2019-05-22): The legal description matches with all legal documents and the word village within the city is non material as the city name matches. Seller Comment (2019-05-21): Please see the attached Address Affidavit Seller Comment (2019-05-21): Please see the attached PCCD Reviewer Comment (2019-05-20): To clear condition, please provide address affidavit. Seller Comment (2019-05-17): 05/17/2019 Agree however according to SFIG 3.0, this is out of scope. The variation in city name is a minor and clerical and should not be considered a material deficiency. The correct name is xxxx. The note can be corrected with an address affidavit. 05/22/2019     1 A 10/09/2018 MO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687565 26508487 504979075 11686243 26508487-4925 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Security Interest TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/09/2018 disclosed the address for which the consumer is granting a security interest that does not match the collateral address for the loan. (Final/10/09/2018) City name on Note is xxx; city name on CD is Village of xxxx.     Reviewer Comment (2019-05-22): The legal description matches with all legal documents and the word village within the city is non material as the city name matches. Seller Comment (2019-05-21): Please see the attached Address Affidavit Seller Comment (2019-05-21): Corrected CD and LOX has been provided. 05/22/2019     1 A 10/09/2018 MO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687565 26508487 504979075 11686570 26508487-6542 05/02/2019 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 $300.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. (75106) Fee disclosed as $200 on LE dated 08/28/2018, but disclosed as $300.00 on Final Closing Disclosure.     Reviewer Comment (2019-05-06): A cure of $150.00 was given to the borrower at closing.   05/06/2019   2 B 10/09/2018 MO 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
206687565 26508487 504979075 11980664 26508487-25319 05/22/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Buyer Comment (2019-05-24): ok to clear     05/24/2019 2 B 10/09/2018 MO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11668837 26508488-6583 05/01/2019 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 $183.70 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (7564) Fee disclosed as ($150) on (LE dated 05/22/18), but disclosed as ($183.70) on Final Closing Disclosure. Cure was provided to borrower on Final CD.         05/01/2019   1 A 07/12/2018 FL Second Home Refinance - Rate/Term Final CD evidences Cure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687566 26508488 504921146 11670155 26508488-3867 05/01/2019 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. ATR Fail due to missing required 2017 K-1(s) and 2 years signed business tax returns/transcripts to meet the income documentation requirements for Sxxxxx.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Please reference exception 11670653 and 11670654 for response. 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687566 26508488 504921146 11670653 26508488-1003 05/01/2019 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 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent) Missing required 2017 K-1(s) and 2 years signed business tax returns/transcripts to meet the income documentation requirements for Safe Harbor QM.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Disagree. Starpoint Energy Partners is a business in which the borrower is an investor and limited partner. Having only 2.9% ownership interest, the self-employment documentation requirements should not apply. In addition, no income was used from this investment. Investment losses tied to an investment asset are not typically deducted from the borrower's qualifying income where the loss reduces the borrower's capital (investment) balance (eg. 401k, stocks, bonds). The borrower is a limited partner receiving passive income/losses from a pass-through entity. A partner in a company or venture who receives limited profits/losses from the business, their liability toward its debts is legally limited to the extent of his or her investment. Per the K-1, the borrower's capital investment went from $3813.00 at the beginning of the year, to $3018.00 after deducting the loss of $795.00, of which $726.00 was the allocation of depreciation, a non-cash expense. (Note, cash flow would be positive.) Additional documentation from this investment would not be necessary in determining the borrower's ability to repay. Per 1026.43(c)(2)(i)(2) A creditor need consider only the income or assets necessary to support a determination that the consumer can repay the covered transaction. Further, a creditor need verify only the income (or assets) relied on to determine the consumer's repayment ability. Reviewer Comment (2019-05-14): Per Appendix Q 2 years K1's are required. The 2016 K1 was provided in file, 2017 K1 was not provided. Seller Comment (2019-05-08): Borrower is not self-employed due to ownership is less than 25%. Please see the attached Guidelines. Negative income was used for qualifying.. 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11670654 26508488-1003 05/01/2019 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 25% Ownership) income. xxxx/Schedule K-1 less than 25 Percent) Missing required 2017 K-1(s) and 2 years signed business tax returns/transcripts to meet the income documentation requirements for Safe Harbor QM.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Disagree. Surgical Meds is a business in which the borrower is an investor and limited partner. Having only 10% ownership interest, the self-employment documentation requirements should not apply. In addition, no income was used from this investment. Investment losses tied to an investment asset are not typically deducted from the borrower's qualifying income where the loss reduces the borrower's capital (investment) balance (eg. 401k, stocks, bonds). The borrower is a limited partner receiving passive income/losses from a pass-through entity. A partner in a company or venture who receives limited profits/losses from the business, their liability toward its debts is legally limited to the extent of his or her investment. Per the K-1, the borrower's capital investment went from $532.00 at the beginning of the year, to $482.00 after deducting the loss of $50.00. Additional documentation from this investment would not be necessary in determining the borrower's ability to repay. Per 1026.43(c)(2)(i)(2) A creditor need consider only the income or assets necessary to support a determination that the consumer can repay the covered transaction. Further, a creditor need verify only the income (or assets) relied on to determine the consumer's repayment ability. Reviewer Comment (2019-05-14): Received 2017 K1 for Surgical Funds LLC however the 2017 for Surgical Meds LLC was not provided and required. Seller Comment (2019-05-13): Please see the attached 2017 and 2016 K1s and Business Tax Returns. Please see the IRS form 8879-PE which reflects the borrower's signature. Documentation located in the file. 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11670655 26508488-1223 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx/Schedule K-1 less than 25 Percent) Missing required Third Party Verification.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Disagree. A third party verification as requested would be required as a condition of verifying employment. The borrower is a limited partner who made an investment into a company. There is no evidence to suggest that the borrower is employed by the business. The borrower's minimal ownership/investment interest is best described as an investment asset. The asset is not being used to qualify the borrower. A third party verification of employment is not necessary. Per 1026.43(c)(2)(i)(2) A creditor need consider only the income or assets necessary to support a determination that the consumer can repay the covered transaction. Further, a creditor need verify only the income (or assets) relied on to determine the consumer's repayment ability. Reviewer Comment (2019-05-14): 2 years K1's are required. The 2016 K1 was provided in file, 2017 K1 was not provided. Seller Comment (2019-05-09): Verification of employment is not required due to negative income was used for qualifying. Please reconsider the exception cited due to the risk was analyzed as the borrower was qualified with negative income 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11670656 26508488-1223 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxxxC/Schedule K-1 less than 25 Percent) Missing required Third Party Verification.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Disagree. A third party verification as requested would be required as a condition of verifying employment and income from that employment. The borrower is a limited partner who made an investment into a company. There is no evidence to suggest that the borrower is employed by the business. A third party verification of employment and the income from that employment is not necessary. The borrower's minimal ownership/investment interest is best described as an investment asset. The asset is not being used to qualify the borrower.Per 1026.43(c)(2)(i)(2) A creditor need consider only the income or assets necessary to support a determination that the consumer can repay the covered transaction. Further, a creditor need verify only the income (or assets) relied on to determine the consumer's repayment ability. Reviewer Comment (2019-05-14): 2 years K1's are required. The 2016 K1 was provided in file, 2017 K1 was not provided. Seller Comment (2019-05-09): Verification of employment is not required due to negative income was used for qualifying. Please reconsider the exception cited due to the risk was analyzed as the borrower was qualified with negative income 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11670827 26508488-25519 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Partnership Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (Bishop,Randall Surgical Funds LLC/Partnership) Missing required third party verification for current Partnership status.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Per1026.43(c)(2)(i)(2) a creditor need verify only the income (or assets) relied on to determine the consumer's repayment ability. The borrower is a limited partner who, although having 25% ownership, receives passive investment income. File does contain 2017 tax returns and 2017 K-1 since the borrower has 25% ownership interest. See attached. Reviewer Comment (2019-05-14): 2 years K1's are required. The 2016 K1 was provided in file, 2017 K1 was not provided. Seller Comment (2019-05-09): Verification of employment is not required due to negative income was used for qualifying. Please reconsider the exception cited due to the risk was analyzed as the borrower was qualified with negative income 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11670828 26508488-4204 05/01/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR requirements not satisfied due to missing required 2017 K-1(s) and 2 years signed business tax returns/transcripts to meet the income documentation requirements. Missing required Third Party Verifications.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11670885 26508488-1231 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (xxxx1, LP/Schedule K-1 less than 25 Percent) Missing required Third Party Verification.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Disagree. A third party verification as requested would be required as a condition of verifying employment. The borrower is a limited partner who made an investment into a company. There is no evidence to suggest that the borrower is employed by the business. The borrower's minimal ownership/investment interest is best described as an investment asset. The asset is not being used to qualify the borrower. A third party verification of employment is not necessary. Per 1026.43(c)(2)(i)(2) A creditor need consider only the income or assets necessary to support a determination that the consumer can repay the covered transaction. Further, a creditor need verify only the income (or assets) relied on to determine the consumer's repayment ability. Please see the attached. Reviewer Comment (2019-05-14): The most recent tax year, 2017, K1 has not been provided in file. Seller Comment (2019-05-09): Verification of employment is not required due to negative income was used for qualifying. Please reconsider the exception cited due to the risk was analyzed as the borrower was qualified with negative income 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687566 26508488 504921146 11670886 26508488-1231 05/01/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (xxxxxC/Schedule K-1 less than 25 Percent) Missing required Third Party Verification.     Reviewer Comment (2019-05-20): The borrower has three business all reporting passive losses in 2016 and none in 2017, these losses were included to qualify. The file contains K1, P&L, third party for any source loss with an ownership of over 25% Seller Comment (2019-05-16): Disagree. A third party verification as requested would be required as a condition of verifying employment and income from that employment. The borrower is a limited partner who made an investment into a company. There is no evidence to suggest that the borrower is employed by the business. A third party verification of employment and the income from that employment is not necessary. The borrower's minimal ownership/investment interest is best described as an investment asset. The asset is not being used to qualify the borrower.Per 1026.43(c)(2)(i)(2) A creditor need consider only the income or assets necessary to support a determination that the consumer can repay the covered transaction. Further, a creditor need verify only the income (or assets) relied on to determine the consumer's repayment ability. Reviewer Comment (2019-05-14): The most recent tax year, 2017, K1 has not been provided in file. Seller Comment (2019-05-09): Disagree: Verification of employment is not required due to negative income was used for qualifying. Please reconsider the exception cited due to the risk was analyzed as the borrower was qualified with negative income. Seller Comment (2019-05-09): Disagree: Verification of employment is not required due to negative income was used for qualifying. The risk was assessed when the negative income was used for qualifying. 05/20/2019     1 A 07/12/2018 FL Second Home Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687567 26508489 505031848 11670082 26508489-6297 05/01/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,295.00 and disclosure timing violations. An E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 03/11/2019 NJ Second Home Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687567 26508489 505031848 11671371 26508489-4850 05/01/2019 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 03/11/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/11/2019) 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 (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. 05/08/2019     1 A 03/11/2019 NJ Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687567 26508489 505031848 11671605 26508489-6542 05/01/2019 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 $1,295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 03/11/2019 NJ 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687567 26508489 505031848 11671606 26508489-6542 05/01/2019 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 $570.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 03/11/2019 NJ 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687567 26508489 505031848 11671607 26508489-6542 05/01/2019 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 $130.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 03/11/2019 NJ 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687567 26508489 505031848 11671608 26508489-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 03/11/2019 NJ 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687567 26508489 505031848 11671609 26508489-6542 05/01/2019 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 $69.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 03/11/2019 NJ 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687567 26508489 505031848 11671649 26508489-6543 05/01/2019 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 $223.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception. Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 03/11/2019 NJ 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687567 26508489 505031848 11689654 26508489-4436 05/03/2019 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/02/04/2019) Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 03/11/2019 NJ Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687567 26508489 505031848 11689655 26508489-4436 05/03/2019 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:Secondary/02/14/2019) Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 03/11/2019 NJ Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687567 26508489 505031848 11689701 26508489-25838 05/03/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxx Address: xxxxx Statement, Tax Verification Statement For REO 5xxxxx missing mortgage statement and tax verification if its not included in mortgage statement confirming PITI. For REO xxx missing mortgage statement confirm PITI.     Reviewer Comment (2019-05-14): Received Property Lien searches, VOM, Tax Bills. Exception Cleared. Seller Comment (2019-05-07): See attached taxes and insurance for xxxx. P&I $4847, Tax $1061.20 and Insurance $140.17. See attached VOM, taxes and insurance for xxxx. Please note that the mortgage is part of a blanket mortgage with xxxxx (see Judgment, Bankruptcy and Lien Search). The insurance policy reflects xxxx as location 002. 05/14/2019     1 A 03/11/2019 NJ Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687568 26508490 504937613 11667603 26508490-3879 05/01/2019 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. The Home Loan Toolkit Disclosure was not located within the file.     Reviewer Comment (2019-05-08): Evidence of Home Loan Toolkit provided to borrower with multiple disclosure receipt. 05/08/2019     1 A 07/25/2018 TX Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687568 26508490 504937613 11667670 26508490-4826 05/01/2019 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 07/20/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/20/2018) A cure of $510 is reflected however is insufficient to cure the 0% tolerance violation for the second appraisal fee of $650.     Reviewer Comment (2019-05-08): File contains 2 separate appraisals dated a few days apart. The 2nd appraisal fee of $510 was refunded as a tolerance cure at closing. 05/08/2019     1 A 07/25/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687568 26508490 504937613 11684681 26508490-6542 05/02/2019 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 $650.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) A cure of $510 is reflected however is insufficient to cure the 0% tolerance violation for the second appraisal fee of $650.     Reviewer Comment (2019-05-08): File contains 2 separate appraisals dated a few days apart. The 2nd appraisal fee of $510 was refunded as a tolerance cure at closing. Seller Comment (2019-05-08): 5/7/2019, Disagree, Loan does not exceed Zero Percent Tolerance Violation for the Second Appraisal Fee. The Second Appraisal was $510 and the cure provided was $510. The original appraisal fee on the initial LE was $700 and was decreased to $650. No tolerance violation occurred for the initial appraisal fee. 05/08/2019     1 A 07/25/2018 TX 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
206687568 26508490 504937613 11778440 26508490-6583 05/08/2019 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 Second Appraisal Fee. Fee Amount of $510.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7507) Cured at closing         05/08/2019   1 A 07/25/2018 TX Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687568 26508490 504937613 11778488 26508490-4866 05/08/2019 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. Evidence of Home Loan Toolkit provided to borrower with multiple disclosure receipt dated 7/25/18.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/25/2018 TX Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687569 26508492 504906417 11675362 26508492-25454 05/02/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   Loan is to go in a securitization and reflects only one valuation product when two are required     Reviewer Comment (2019-05-20): Desk Review had been provided. Condition is cleared. 05/20/2019     1 A 06/08/2018 TX Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687569 26508492 504906417 11675629 26508492-3867 05/02/2019 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 YTD P&L for co-borrower.     Reviewer Comment (2019-05-14): Received signed and dated YTD P&L. Seller Comment (2019-05-07): 5/7/2019: Please see the attached P & L and balance sheets for the co- borrower and borrower. The documents were located in the file. 05/14/2019     1 A 06/08/2018 TX Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206687569 26508492 504906417 11675633 26508492-4850 05/02/2019 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 06/05/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/05/2018) Due to final CD not reflecting a lender credit as previously disclosed on LE.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/08/2018 TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206687569 26508492 504906417 11684341 26508492-6331 05/02/2019 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 $-1,240.00. (9300) Final CD does not reflect a lender credit.     Reviewer Comment (2019-05-20): The lender credit was subtracted with a valid COC dated 5/17/2018 due to the lower appraised value and increasing the LTV reduced the lender credit Seller Comment (2019-05-20): Please see the attached LE 05/20/2019     1 A 06/08/2018 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 C A Safe Harbor QM Safe Harbor QM Yes
206687569 26508492 504906417 11684389 26508492-23688 05/02/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short coverage by $36,710 or need lender replacement cost estimator.     Reviewer Comment (2019-05-22): replacement cost estimator provided showing values Seller Comment (2019-05-21): Attached please find replacement cost estimator from Travelers Reviewer Comment (2019-05-20): Provided documentation does not indicate a replacement cost value. Condition remains. Seller Comment (2019-05-17): Please see the attached replacement cost calculator. 05/22/2019     1 A 06/08/2018 TX Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687569 26508492 504906417 11731805 26508492-7457 05/06/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Raksakulthai,Vivian Bookkeeping Environment/Schedule C) Missing most recent signed and dated P&L.     Reviewer Comment (2019-05-14): Received signed and dated YTD P&L. Seller Comment (2019-05-08): 5/8/2019: Please see the attached signed P & L. Seller Comment (2019-05-07): 5/7/2019: Please see the attached P & L and balance sheets for the co- borrower and borrower. The documents were located in the file. 05/14/2019     1 A 06/08/2018 TX Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687570 26508493 505020443 11685751 26508493-6297 05/02/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $5,629.00 and disclosure timing violations. LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): E-Consent provided. Exception cleared. 05/09/2019     1 A 01/18/2019 OH Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687570 26508493 505020443 11685752 26508493-4826 05/02/2019 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 01/18/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/18/2019) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/18/2019 OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687570 26508493 505020443 11685753 26508493-6543 05/02/2019 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 $260.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): Seller paid fee. Exception cancelled.       1 A 01/18/2019 OH 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
206687570 26508493 505020443 11685754 26508493-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): E-Consent provided. Exception cleared. 05/09/2019     1 A 01/18/2019 OH 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
206687570 26508493 505020443 11685755 26508493-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): E-Consent provided. Exception cleared. 05/09/2019     1 A 01/18/2019 OH 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
206687570 26508493 505020443 11685756 26508493-6542 05/02/2019 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 $1,250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): E-Consent provided. Exception cleared. 05/09/2019     1 A 01/18/2019 OH 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
206687570 26508493 505020443 11685757 26508493-6542 05/02/2019 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 $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): E-Consent provided. Exception cleared. Reviewer Comment (2019-05-08): AMC received screenshot indicating date E consent was completed. Please provide E Consent document. Seller Comment (2019-05-07): Disclosure tracking provided disclosing eConsent on 12/17/2018. 05/09/2019     1 A 01/18/2019 OH 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
206687570 26508493 505020443 11685758 26508493-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): E-Consent provided. Exception cleared. 05/09/2019     1 A 01/18/2019 OH 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
206687570 26508493 505020443 11685759 26508493-6542 05/02/2019 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 $3,280.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) LE dated 12/19/18 was signed electronically. Missing E-consent disclosure. Tolerance testing baseline for all fees is $0 due to missing e-consent agreement.     Reviewer Comment (2019-05-09): Seller paid. Exception cancelled.       1 A 01/18/2019 OH 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
206687570 26508493 505020443 11685890 26508493-23897 05/02/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 12/24/2018 received on or after the date the Closing Disclosure 1/15/2019 12:00:00 AM was received. (Interim/12/24/2018) The LE dated 12/24/18 was e-signed on 01/15/19, the same day the CD was e-signed/received.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/18/2019 OH Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687570 26508493 505020443 11685891 26508493-3988 05/02/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/24/2018 not received by borrower at least four (4) business days prior to closing. (Interim/12/24/2018) The LE dated 12/24/18 was e-signed on 01/15/19, which is 3-days prior to closing.     Reviewer Comment (2019-05-23): Disclosure tracking provided showing delivery and receipt Reviewer Comment (2019-05-22): AMC received documentation indicating the LE was received 12/28. 12/28 would be the presumed receipt if mailed however it appears disclosure was sent electronically. Please provide disclosure tracking for the specific 12/24 disclosure for review. Seller Comment (2019-05-21): Disclosing tracking provided shows the LE dated 12/24/2018 was received on 12/28/2018. Reviewer Comment (2019-05-17): AMC received LE signed 01/15/19, less than 4 business days from closing. Exception Stands. 05/23/2019     1 A 01/18/2019 OH Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687572 26508496 505028001 11675436 26508496-4613 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/06/2019 did not disclose number of months for homeowner's insurance under Prepaids. (Final/02/06/2019) The number of months paid for Homeowner's Insurance Premium on page 2, section F, of final Closing Disclosure was not disclosed.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 02/11/2019 TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687573 26508497 505019782 11672656 26508497-1048 05/01/2019 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. Anti-Steering Disclosure is missing. Unable to determine Safe Harbor.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/22/2019 NM Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687573 26508497 505019782 11672659 26508497-3126 05/01/2019 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 is missing.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/22/2019 NM Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687573 26508497 505019782 11672661 26508497-6623 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/22/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/01/22/2019) Final Closing Disclosure provided on 01/22/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/22/2019 NM Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687573 26508497 505019782 11673125 26508497-3325 05/01/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met forxxxxx. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Lease agreement is missing. Per Lender Guidelines, a Lease Agreement is required even if tax returns used to qualify.     Reviewer Comment (2019-05-08): Received lease agreement. Seller Comment (2019-05-07): 5/7/2019: Please see the attached lease agreement for xxxx. Document located in the file. 05/08/2019     1 A 01/22/2019 NM Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687573 26508497 505019782 11673147 26508497-4826 05/01/2019 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 01/22/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/22/2019) An amount was not disclosed on final Closing Disclosure as a cure for under disclosure of Appraisal fee.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/22/2019 NM Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687573 26508497 505019782 11673158 26508497-3867 05/01/2019 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 (2019-05-08): Received lease agreement. Seller Comment (2019-05-07): 5/7/2019: Please see the attached lease agreement for xxxx. Document located in the file. Loan is QM. 05/08/2019     1 A 01/22/2019 NM Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687573 26508497 505019782 11673159 26508497-6542 05/01/2019 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 $750.00 exceeds tolerance of $590.00. Insufficient or no cure was provided to the borrower. (7506) The Appraisal Fee was disclosed on Loan Estimate at $590.00, but increased to $750 on final Closing Disclosure without disclosure of a cure.     Reviewer Comment (2019-05-16): AMC received an attestation for the reason for the increased appraisal fee on 1/2/19. Seller Comment (2019-05-15): Additional information from our appraisal review team- The fee was higher due to Custom home, high end and limited comps. Reviewer Comment (2019-05-09): AMC reviewed exception. The appraisal page 3 indicates a fee of $600. Please indicate what made appraisal complex to increase fee. to $750. Seller Comment (2019-05-08): There was no updated purpose. The incorrect comment was utilized. Comment should used should have been : COC-Accepted- Allowing Appraisal Fee in Section B to be increased to $750 per appraisal review. xxxx�s procedures include a practice for the appraisal review team to alert our disclosure management team when there is a complex transaction which had an impact on the original cost disclosed. That was the case with this transaction which is why the COC was approved and the increase in fee was issued on the closing disclosure to the borrower. Reviewer Comment (2019-05-07): AMC reviewed COC. It indicates an updated purpose. Please provide additional details regarding what the new purpose was for review. Seller Comment (2019-05-06): 5/6/19- Disagree with finding.. There was a COC approved for the increased appraisal fee on 12/28/18..Revised LE was also disclosed on 12/28/18.. See COC History attached/uploaded 05/16/2019     1 A 01/22/2019 NM 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
206687575 26508502 504925663 11671185 26508502-7458 05/01/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxxx/Partnership) Borrower provided 1065's for 2016 and 2015. Missing extension for 2017 1065's.     Reviewer Comment (2019-05-16): Exception cleared. Reworked income and use Sch C as current and 1065 and previous employment. Seller Comment (2019-05-15): Disagree: Borrower was 1065 in 2016 and Schedule C in 2017, only using the 2017 Schedule C for xxxx with 2yr average. It is acceptable to use the 2016 guaranteed payment in income calculation based on change from 1065 to Schedule C from 2016 to 2017. Used 2016/2015 average due to 2017 4506T results were not available. 05/16/2019     1 A 07/02/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687575 26508502 504925663 11671186 26508502-24490 05/01/2019 Compliance Compliance Federal Compliance Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. Missing payoff statement.     Reviewer Comment (2019-05-17): The pay off was provided and no prepayment appears to have been included. Seller Comment (2019-05-17): Please see the attached payoff statement 05/17/2019     1 A 07/02/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687575 26508502 504925663 11671197 26508502-2647 05/01/2019 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). RTC is dated 07/02/18. Borrower signed 07/03/18. RTC expiration 07/06/18.     Reviewer Comment (2019-05-17): Revised rescission provided prior to TPR review and identification of issue. Exception cured. Reviewer Comment (2019-05-16): Remediation required for TILA ROR - Provided Letter of Explanation and Proof of delivery. In trailing docs RTC was provided. When you re-open rescission this is why they're required. Exception remains for LOX and proof delivery. Seller Comment (2019-05-15): The RTC was provided and signed on 7/12/2018 not sure why a LOX and Proof of Delivery is required. Reviewer Comment (2019-05-14): Received the updated RTC however a Letter of Explanation and Proof of Delivery is also required to clear this exception. Seller Comment (2019-05-08): The RTC was signed on 7/3/2018, however July 4th was a holiday so the 3 day rescission period should have included July 5, 6 and 7th. The midnight date should have been 7/7/2018, due to this error a new RTC was provided and rescission was reopened to the borrower. The RTC has been provided.   05/17/2019   2 B 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671214 26508502-3867 05/01/2019 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. Signed tax returns not provided.     Reviewer Comment (2019-05-16): Exception cleared. Reworked income and use Sch C as current and 1065 and previous employment. Seller Comment (2019-05-09): Please see the attached signed Tax Returns. 05/16/2019     1 A 07/02/2018 TX 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
206687575 26508502 504925663 11671215 26508502-6297 05/01/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $7,391.25 and disclosure timing violations. Missing e-sign consent agreement.     Reviewer Comment (2019-05-09): Lender provided eConsent from prior transaction in the trailing documents Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 TX Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687575 26508502 504925663 11671216 26508502-4371 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/02/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/02/2018) Notary date is 7/3/18     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/02/2018 TX 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
206687575 26508502 504925663 11671218 26508502-6543 05/01/2019 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 $82.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671219 26508502-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $390.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7319) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671220 26508502-6542 05/01/2019 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 $4,923.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671221 26508502-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $445.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671222 26508502-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7396) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671223 26508502-6542 05/01/2019 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 $775.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671224 26508502-6542 05/01/2019 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 $20.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671225 26508502-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7548) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671226 26508502-6542 05/01/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $6.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Missing E Sign Consent form.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 07/02/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687575 26508502 504925663 11671472 26508502-4850 05/01/2019 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 07/02/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/02/2018) Missing e-sign consent agreement.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/02/2018 TX 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
206687576 26508507 504644347 11679188 26508507-23083 05/02/2019 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. (Shannon/Swires/2643683) Third Party Verification of the borrower's business is not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/10/2017 TX Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687576 26508507 504644347 11748194 26508507-6583 05/07/2019 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 $750.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Sufficient or excess cure was provided to the borrower at Closing         05/07/2019   1 A 01/10/2017 TX Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687576 26508507 504644347 11748195 26508507-6583 05/07/2019 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 $69.84 exceeds tolerance of $25.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Sufficient or excess cure was provided to the borrower at Closing         05/07/2019   1 A 01/10/2017 TX Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687577 26508510 504936374 11677769 26508510-23385 05/02/2019 Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: 08/10/2018 The appraisal reflects subject address 11175 State Highway M and Note reflects 1xxxx; address affidavit verifies subject address as xxxx per USPS.com website.     Reviewer Comment (2019-05-22): Address affidavit provided Seller Comment (2019-05-21): Please see the attached address affidavit. Reviewer Comment (2019-05-20): To clear condition, please provide address affidavit. Seller Comment (2019-05-17): Agree however according to SFIG 3.0, this is out of scope. The variation in city name is a minor and clerical and should not be considered a material deficiency. The correct address is xxxxx. The note can be corrected with an address affidavit. 05/22/2019     1 A 07/27/2018 MO Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687577 26508510 504936374 11677847 26508510-25838 05/02/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: 140 South Main St, Foristell, MO Insurance Verification, Tax Verification File is missing proof of PITIA of xxxxx rental property.     Reviewer Comment (2019-05-14): Received hazard and tax verification. Seller Comment (2019-05-07): See attached PITI documentation for 140 S Main Street. 05/14/2019     1 A 07/27/2018 MO Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687577 26508510 504936374 11678046 26508510-3495 05/02/2019 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/08/10/2018) Appraisal was initially completed 7/25/2018. Most recent date of report is 8/10.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/27/2018 MO Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11676334 26508511-6297 05/02/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $8,175.00 and disclosure timing violations. Disclosure not in file     Reviewer Comment (2019-05-15): Received eConsent dated 7/3/2018. Seller Comment (2019-05-15): E-Consent has been provided. Reviewer Comment (2019-05-14): Re-opened due to being regraded to an EV3. Reviewer Comment (2019-05-13): Client elects to waive. Reviewer Comment (2019-05-09): e-Consent exception graded EV3-C 05/15/2019     1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11676335 26508511-4850 05/02/2019 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 07/23/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/23/2018) Field left blank     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/03/2018 AZ 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
206687578 26508511 504945959 11676336 26508511-6543 05/02/2019 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 $960.00 exceeds tolerance of $35.00 plus 10% or $38.50. Insufficient or no cure was provided to the borrower. (0) Missing e-sign and the LE was electronically signed.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/03/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687578 26508511 504945959 11676337 26508511-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $795.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Missing e-sign and the LE was electronically signed.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/03/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687578 26508511 504945959 11676338 26508511-6542 05/02/2019 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 $4,750.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) Missing e-sign and the LE was electronically signed.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/03/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687578 26508511 504945959 11676339 26508511-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $695.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Missing e-sign and the LE was electronically signed.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/03/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687578 26508511 504945959 11676340 26508511-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) Missing e-sign and the LE was electronically signed.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/03/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687578 26508511 504945959 11676342 26508511-6542 05/02/2019 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 $750.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Missing e-sign and the LE was electronically signed.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/03/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687578 26508511 504945959 11689352 26508511-4961 05/03/2019 Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing Verification of Mortgage for subject property 1st and 2nd mortgages to verify no lates and payments up to date.     Reviewer Comment (2019-05-08): Received evidence of payments for borrowers current 1st and 2nd for length of ownership, credit report reflects 0 lates for prior mortgage. Seller Comment (2019-05-08): 5/8/2019: Please see the attached payment history for the borrower. The BOA account reflects AUTO pay for the Seller carried 2nd "Security Title Agency" and the other xxx account reflects payment to B & S Volcano which covers the timeframe from when the borrower acquired the property to the refinance. The verification of payment was a transfer from account ending in #xxx which is one of the accounts that was used for assets. The documentation provided reflects that the borrower made all payments on time based the dates of the transfer and auto pay. 05/08/2019     1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690513 26508511-7453 05/03/2019 Compliance Compliance Federal Compliance C-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (C-Corp). (xxxxx/C-Corp 1120) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled.       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690514 26508511-23083 05/03/2019 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. (xxx/2643701) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-28): Evidence of the business was provided 05/28/2019     1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690515 26508511-23083 05/03/2019 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. (xxx/2643702) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-28): Evidence of the business was provided 05/28/2019     1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690516 26508511-25518 05/03/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - C-Corp 1120 Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current C-Corp status using reasonably reliable third-party records. (xxxx/C-Corp 1120) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled.       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690517 26508511-25518 05/03/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - C-Corp 1120 Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current C-Corp status using reasonably reliable third-party records. xxxx/C-Corp 1120) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled. Reviewer Comment (2019-05-08): B&S Volcano Tea Corporation reflected a ytd loss and therefore was included. ATR guidelines require third party verification. Seller Comment (2019-05-08): 5/8/2019: Susan income was calculated using income from xxxx & SS income. Income from B & S Volcano was not used for qualifying. Please see the attached documentation.       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690518 26508511-25519 05/03/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Partnership Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (xxxxPartnership) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled.       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690519 26508511-25519 05/03/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Partnership Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (xxxx/Partnership) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled.       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690520 26508511-25519 05/03/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Partnership Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. xxxxx/Partnership) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled.       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690521 26508511-25521 05/03/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - S-Corp Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status using reasonably reliable third-party records. (Wick,Bruce Vision Source-Copperfield PA/S-Corp) Missing third party verification that business is still active and start date of business. VOE from lender is not signed and does not list source for verification of dates.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled. Reviewer Comment (2019-05-08):xxxx reflects a ytd loss, therefore reviewer used positive income from Vision Source-Copperfield PA Seller Comment (2019-05-08): Disagree: Please see the attached documents. Income from SS, xxxx building were used for qualifying       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690522 26508511-4204 05/03/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR not met due to insufficient income verification.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled.       1 A 08/03/2018 AZ Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687578 26508511 504945959 11690523 26508511-3867 05/03/2019 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. Loan designation is failing due to insufficient income documentation.     Reviewer Comment (2019-05-13): Upon further review, all documentation in file to meet Appendix Q. Exception cancelled.       1 A 08/03/2018 AZ 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
206687578 26508511 504945959 11690524 26508511-4394 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/23/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/07/23/2018) The subject property was purchased by the borrower's within the last 12 months, per guidelines must use the lower of the purchase price or appraised value. Purchase price in 12/2017 was $1,700,000, current appraised value is $1,800,000.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 08/03/2018 AZ 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
206687579 26508513 504863279 11675638 26508513-23688 05/02/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI Coverage of $664,750 is insufficient to cover $680,000, resulting in a Coverage Shortfall of $15,250. Replacement cost from the insurer to determine coverage amount is sufficient was not provided.     Reviewer Comment (2019-05-15): Received Replacement Cost Estimator. Seller Comment (2019-05-14): See attached reconstruction cost estimate of $525,417. Dwelling coverage is sufficient. Seller Comment (2019-05-14): Please see the attached Insurance 05/15/2019     1 A 07/31/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687579 26508513 504863279 11676051 26508513-1048 05/02/2019 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. Missing disclosure     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/31/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687579 26508513 504863279 11676053 26508513-3126 05/02/2019 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. Missing disclosure     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/31/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687579 26508513 504863279 11676055 26508513-4866 05/02/2019 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. Disclosure provided on 7/31/2018 and application date is 2/6/2018.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/31/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687579 26508513 504863279 11676056 26508513-7038 05/02/2019 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/07/25/2018) Initial CD provided on 7/25/2018 and closing date is 7/31/2018.     Reviewer Comment (2019-05-09): Evidence of earlier receipt provided. Seller Comment (2019-05-09): 5/8/19- Disagree with finding. Borrower Econsented on 2/8/18. Initial CD was sent via electronic delivery and acknowledged by the borrower on 7/25/18. See uploaded Loan Summary evidencing CD acknowledgement. 05/09/2019     1 A 07/31/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687579 26508513 504863279 11676057 26508513-3988 05/02/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 07/24/2018 not received by borrower at least four (4) business days prior to closing. (Interim/07/24/2018) Initial LE provided on 7/24/2018 and closing date is 7/31/2018.     Reviewer Comment (2019-05-09): Evidence of earlier receipt provided. Seller Comment (2019-05-09): 5/8/19- Disagree with finding. Borrower Econsented on 2/8/18. Revised LE was sent via electronic delivery and acknowledged by the borrower Find uploaded Loan Summary evidencing LE acknowledgement. 05/09/2019     1 A 07/31/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687579 26508513 504863279 11676058 26508513-6583 05/02/2019 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 $38.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7571)           05/02/2019   1 A 07/31/2018 CA Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687579 26508513 504863279 11676133 26508513-6623 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/31/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/07/31/2018) Final Closing Disclosure provided on 07/31/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/31/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687579 26508513 504863279 11676134 26508513-18604 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 07/31/2018 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.) (Final/07/31/2018) Verified no Seller paid fees on final CD or Seller CD.     Reviewer Comment (2019-05-09): AMC received Seller's CD which does not have any seller paid fees. Seller is the builder and no commission or other fees were charged to the seller per the PC. Verified with final ALTA SS in file no fees were charged to Seller. Seller Comment (2019-05-09): 5/8/19- There were no seller paid fees applicable to page 2 on the loan.. See the uploaded Seller CD and Closing Disclosure Attachment 05/09/2019     1 A 07/31/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687579 26508513 504863279 11676136 26508513-25503 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 20,892.12 on Final Closing Disclosure provided on 07/31/2018 not accurate. (Final/07/31/2018) Verified monthly taxes, insurance and HOA are $1,635.34/month which is $19,624.08/year and page 4 of final CD disclosed $20,892.12. It appears the lender used a hazard monthly of $150.00 instead of 127.67.     Reviewer Comment (2019-05-09): Letter of Explanation & Corrected Closing Disclosure proivided. Seller Comment (2019-05-09): 5/8/19- Agree with finding. See corrected Post Closing CD and LOX uploaded   05/09/2019   2 B 07/31/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687579 26508513 504863279 11801123 26508513-23897 05/09/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/24/2018 received on or after the date the Closing Disclosure 7/25/2018 12:00:00 AM was received. (Interim/07/24/2018) Revised LE dated 7/24/18 was received by Borrower on 7/25/18 at 3:06AM and on same date the initial CD was issued on 7/25/18 at 2:44PM.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/31/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687580 26508514 505031402 11671880 26508514-20377 05/01/2019 Credit Insurance Insurance Analysis The Flood Insurance Policy effective date is after the Note Date. Flood Insurance Policy Effective Date 03/21/2019, Note Date 03/07/2019 Flood Insurance Policy reflects effective date of 03/21/19 to 03/21/20 and Note date is 03/07/19. Flood Insurance Policy not in effect on closing date.     Reviewer Comment (2019-05-08): Received previous policy and assumption letter. Seller Comment (2019-05-07): Disagree: Policy was in effect at the time of close. Due to the loan closing 3/7/2019 and there being less than 30 days an updated flood insurance policy was provided reflecting an date of 3/19/2019 - 3/19/2020. There is a Flood Insurance policy with the effective dated of 3/21/2018 thru 3/21/2019 which supports that the policy was effective at the time of close. Please see the attached. 05/08/2019     1 A 03/07/2019 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687580 26508514 505031402 11672252 26508514-6345 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/07/2019 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/03/07/2019) No flood insurance drop down only insurance drop down. Property is in an a flood zone and flood insurance is required to be escrowed.     Reviewer Comment (2019-05-14): AMC received Letter of Explanation, Proof of Delivery, Corrected CD. Seller Comment (2019-05-13): Please see the attached PCCD Reviewer Comment (2019-05-10): AMC received PCCD and LOE. The Flood Insurance escrowed should be indicated on the Homeowner's Insurance Line: Some as the line includes all insurance against the property. Please provide corrected CD and LOE to cure. Seller Comment (2019-05-09): Corrected CD and Flood Insurance has been provided. Reviewer Comment (2019-05-08): The final CD indicates there is an escrow account, which includes flood insurance on page 1. On page 4 the CD indicates there is no escrow account, and it was declined. This inconsistency must be corrected. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-08): 5/7/2019 - Disagree - Final Closing Disclosure provided on 03/07/2019 correctly discloses Homeowners Insurance is not included in escrow. Final CD page 1 Projected payments and page 2 Section G does not disclose HOI as escrowed. Estimated Taxes, Insurance & Assessments lists HOI as No "In Escrow". In addition, Page 4 of the CD discloses the HOI in the No Escrow section under Escrow Account.   05/14/2019   2 B 03/07/2019 FL 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
206687580 26508514 505031402 11672253 26508514-4566 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/07/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/03/07/2019) Flood insurance was included as an escrow     Reviewer Comment (2019-05-10): AMC received PCCD and LOE correcting escrow section and LOE. Exception Cured. Seller Comment (2019-05-09): Corrected CD and Flood Insurance has been provided. Reviewer Comment (2019-05-08): The final CD indicates there is an escrow account, which includes flood insurance on page 1. On page 4 the CD indicates there is no escrow account, and it was declined. This inconsistency must be corrected. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception.   05/10/2019   2 B 03/07/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687580 26508514 505031402 11672254 26508514-4407 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/07/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/03/07/2019) Final CD included escrow for the flood     Reviewer Comment (2019-05-10): AMC received PCCD and LOE correcting escrow section and LOE. Exception Cured. Seller Comment (2019-05-09): Corrected CD and Flood Insurance has been provided. Reviewer Comment (2019-05-08): The final CD indicates there is an escrow account, which includes flood insurance on page 1. On page 4 the CD indicates there is no escrow account, and it was declined. This inconsistency must be corrected. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception.   05/10/2019   2 B 03/07/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687580 26508514 505031402 11672255 26508514-3879 05/01/2019 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. Evidence that borrower received copy of Your Home Loan Toolkit Disclosure was not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 03/07/2019 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687580 26508514 505031402 11672310 26508514-6542 05/01/2019 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 $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) Binding LE did not disclose a Appraisal Re-Inspection Fee of $175.00 disclosed on the Consumer's Final CD. Final CD disclosed a Lender Credit of $175 for increase in Closing Costs above legal limit which is sufficient to cure the 0% tolerance violation. The appraisal was completed on 2/6/2019 with a Subject To status however the cost of the 442 was not disclosed to the borrower until closing.     Reviewer Comment (2019-05-05): The lender gave the borrower a credit of $175.00 for the appraisal reinspection fee at closing   05/05/2019   2 B 03/07/2019 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
206687580 26508514 505031402 11672322 26508514-25513 05/01/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,922.61 on Final Closing Disclosure provided on 03/07/2019 not accurate. (Final/03/07/2019) Final CD disclosed Amount of Estimated Property Costs over Year 1 of 9,922.61, however, the actual amount is $10,586.52. Total monthly property costs are Flood Insurance $55.33, Hazard Insurance $261.75 and Taxes $565.13.     Reviewer Comment (2019-05-10): AMC received PCCD and LOE correcting escrow section. Exception Cured. Seller Comment (2019-05-09): Corrected CD and Flood Insurance has been provided. Reviewer Comment (2019-05-08): The final CD indicates there is an escrow account, which includes flood insurance on page 1. On page 4 the CD indicates there is no escrow account, and it was declined. This inconsistency must be corrected. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-08): 5/7/2019, Disagree - The 9922.61 entered in Loan Disclosures - Estimated property Costs over Year one is correct. The hazard Insurance and Taxes are not escrowed. 05/10/2019     1 A 03/07/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687580 26508514 505031402 11690232 26508514-6297 05/03/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $13,056.35 and disclosure timing violations. Disclosures were provided electronically, however, consent to received disclosures electronically was not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 03/07/2019 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687581 26508516 504942468 11681363 26508516-4371 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/10/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/10/2018) Final CD disclosed a Closing Date of 07/12/2018, however, actual date of consummation of 07/10/2018 per Security Instrument.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687581 26508516 504942468 11681364 26508516-4373 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Disbursement Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/10/2018 did not disclose the Disbursement Date. (Final/07/10/2018) The Final Closing Disclosure provided on 07/10/2018 did not disclose the Disbursement Date.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687581 26508516 504942468 11681365 26508516-3879 05/02/2019 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. Creditor did not provide the Home Loan Toolkit Disclosure to the applicants.     Reviewer Comment (2019-05-15): Received disclosure tracking. Provided within required timing. 05/15/2019     1 A 07/10/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687581 26508516 504942468 11681503 26508516-4826 05/02/2019 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 07/10/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/10/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687581 26508516 504942468 11681554 26508516-855 05/02/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/23/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018       Reviewer Comment (2019-05-14): Received Property Inspection Report. Seller Comment (2019-05-13): See PDI 05/14/2019     1 A 07/10/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687581 26508516 504942468 11692042 26508516-6297 05/03/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $3,945.00 and disclosure timing violations. Disclosures sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-15): Received eConsent tracking, consented 5/18/2018. Seller Comment (2019-05-15): Attached please find E-Consent documentation page 2 Reviewer Comment (2019-05-14): Re-opened due to being regraded to an EV3. Seller Comment (2019-05-13): Disregard comment I show it has been waived. Seller Comment (2019-05-13): See attached E-Consent initiation document and authorization on page 2 Reviewer Comment (2019-05-13): Client elects to waive. Reviewer Comment (2019-05-09): EConsent regraded to EV3 05/15/2019     1 A 07/10/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687581 26508516 504942468 11692043 26508516-6543 05/03/2019 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 $250.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 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
206687581 26508516 504942468 11692044 26508516-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7319) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 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
206687581 26508516 504942468 11692045 26508516-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $845.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 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
206687581 26508516 504942468 11692047 26508516-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $720.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 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
206687581 26508516 504942468 11692048 26508516-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7346) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 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
206687581 26508516 504942468 11692049 26508516-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 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
206687581 26508516 504942468 11692050 26508516-6542 05/03/2019 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 $460.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/10/2018 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
206687582 26508518 505015912 11684441 26508518-25838 05/02/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxx Statement Insurance Verification The P&I payments for these properties have not been verified.     Reviewer Comment (2019-05-14): Received verification of liability for xxxx. Seller Comment (2019-05-09): The properties are reflected on the borrower's Schedule. The property xxxxx is the same as xxxx. Please see the attached documents which support the building is owned by xxxxx. Please see the attached information for xxxx 05/14/2019     1 A 01/25/2019 NV Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687582 26508518 505015912 11684729 26508518-4436 05/02/2019 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/12/19/2018) The date that the appraisal was provided was not found in the file.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/25/2019 NV Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687582 26508518 505015912 11684731 26508518-25513 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,528.80 on Final Closing Disclosure provided on 01/25/2019 not accurate. (Final/01/25/2019) Estimated Property Costs over Year 1 of $16,528.80 is incorrect. Per documentation we have in file monthly hazard $229.83, taxes $1078.58 and HOA $175.00 = 1483.4*12= $17,800.92 is the correct amount. Provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-05-20): Letter of Explanation & Corrected Closing Disclosure provided. Seller Comment (2019-05-17): Corrected CD has been provided. Reviewer Comment (2019-05-13): AMC calculations are as follows: hazard $229.83, taxes $1078.58 and HOA $175.00 = 1483.41. Lender Post Close CD provided shows $1,439.16. Corrected CD and LOE to borrower to cure. Seller Comment (2019-05-10): Please see the attached PCCD   05/20/2019   2 B 01/25/2019 NV 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
206687582 26508518 505015912 11684732 26508518-7042 05/02/2019 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. 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     Reviewer Comment (2019-05-22): Client elects to waive.     05/22/2019 2 B 01/25/2019 NV 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
206687582 26508518 505015912 11685554 26508518-4910 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller Change - Down Payment TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/25/2019 incorrectly disclosed whether there was a change in the Down Payment/Funds from Borrower. (Final/01/25/2019) There was no change, but Yes was selected.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/25/2019 NV 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
206687582 26508518 505015912 11691844 26508518-3831 05/03/2019 Credit Credit Miscellaneous Credit Exception:   Provide evidence of tax and insurance for property located at xxxxx as well as that it is owned free and clear per final 1003. Used monthly tax/ins amount from final 1003 per lender. Additional exceptions may apply.     Reviewer Comment (2019-05-14): Received evidence of tax and insurance. Seller Comment (2019-05-09): properties are reflected on the borrower's Schedule E. The property 1xxxx is the same as xxxxx. Please see the attached documents which support the building is owned by Northpoint Sierra Investments LLC formerly Cashell Investments LLC. Please see the attached information for 1200 Financial Blvd (commercial property) and 545 05/14/2019     1 A 01/25/2019 NV Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687582 26508518 505015912 11692093 26508518-3831 05/03/2019 Credit Credit Miscellaneous Credit Exception:   Provide evidence property located at xxxxis owned free and clear as well as monthly tax and insurance amount. Used payment listed on final 1003 for review, additional exceptions may apply.     Reviewer Comment (2019-05-14): Received evidence of tax and insurance. Seller Comment (2019-05-09): properties are reflected on the borrower's Schedule E. The property 1xxxx is the same as xxxx. Please see the attached documents which support the building is owned by xxxxx. Please see the attached information forxxxxx 05/14/2019     1 A 01/25/2019 NV Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687584 26508525 504932937 11676914 26508525-1048 05/02/2019 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. Missing disclosure     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/09/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687584 26508525 504932937 11676915 26508525-4436 05/02/2019 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/06/20/2018) Missing proof a copy of the appraisal was provided to the borrowers at closing.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/09/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687584 26508525 504932937 11676916 26508525-3126 05/02/2019 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. Missing disclosure     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/09/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687584 26508525 504932937 11676917 26508525-25503 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 19,625.04 on Final Closing Disclosure provided on 07/09/2018 not accurate. (Final/07/09/2018) Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 19,625.04 appears to be based on monthly hazard $125.00 and taxes $1510.42. Per documentation we have in file monthly hazard is $48.64 and taxes are the same of $1510.42 * 12 = 18,708.72.     Reviewer Comment (2019-05-09): Letter of Explanation & Corrected Closing Disclosure received. Seller Comment (2019-05-09): 5/8/19- Agree. Based on the Hazard Insurance and taxes, total Amount of Estimated Property Costs over Year 1 should be $18708.72.. See corrected Post closing CD and LOX uploaded   05/09/2019   2 B 07/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687584 26508525 504932937 11676958 26508525-3867 05/02/2019 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 due to points and fees.     Reviewer Comment (2019-05-13): Discount point worksheet provided. Points are Bona Fide. Exception cleared. Seller Comment (2019-05-08): See attached xxxx Predatory/Compliance Test Results Worksheet. 05/13/2019     1 A 07/09/2018 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
206687584 26508525 504932937 11676959 26508525-6623 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/09/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/07/09/2018) Final Closing Disclosure provided on 07/09/2018 did not disclose the required Lender Contact Information.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687584 26508525 504932937 11676960 26508525-4826 05/02/2019 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 07/09/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/09/2018) Missing valid change of circumstance.     Reviewer Comment (2019-05-13): Tolerance issue due to seller paid fees. Exception cleared. 05/13/2019     1 A 07/09/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687584 26508525 504932937 11676962 26508525-6543 05/02/2019 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 $5,758.00 exceeds tolerance of $3,663.00 plus 10% or $4,029.30. Insufficient or no cure was provided to the borrower. (0) Missing valid change of circumstance.     Reviewer Comment (2019-05-13): Tolerance issue due to seller paid fees. Exception cleared. Seller Comment (2019-05-10): Disagree with finding the borrower shopped so this fee should not have been part of testing. Please see attached Reviewer Comment (2019-05-09): Per Deal Settings selected by client, Seller or Third Party fees are not to be excluded from tolerance testing. All of the fees (Notary, Settlement and Courier) paid by the Seller on Seller's CD were fees that were included in the 10% tolerance testing and therefore causing the violation. Seller Comment (2019-05-09): 05/09 Can you please provide additional detail and documentation for the violation you are referencing we do not see the figures that you are calling out. 05/13/2019     1 A 07/09/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
206687584 26508525 504932937 11676963 26508525-6542 05/02/2019 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 $340.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77211) Missing valid change of circumstance.     Reviewer Comment (2019-05-09): AMC received an attestation for Title Release Tracking Fee as a part of the Title Recording Service fee disclosed on LE combined. Seller Comment (2019-05-09): 5/8/19-These fees are associated with the 10% tolerance threshold bucket. The fees were lumped on the initial LE and were broken out on the final CD. No tolerance violation. 05/09/2019     1 A 07/09/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
206687584 26508525 504932937 11676964 26508525-6542 05/02/2019 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 $1,595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Missing valid change of circumstance.     Reviewer Comment (2019-05-13): Seller paid fee and is customary for seller to pay Transfer taxes. Exception cleared. Reviewer Comment (2019-05-09): Per Deal Settings selected by client, Seller or Third Party fees are not to be excluded from tolerance testing. Transfer Tax paid by the Seller on Seller's CD is a 0% tolerance fee and therefore causing the violation. Seller Comment (2019-05-09): 5/8/19- Disagree with finding.. Transfer tax amount of $1595 was charged to the seller.. Borrower was not charged this fee therefore neither a COC or Cure was required.. Please review Seller CD uploaded 05/13/2019     1 A 07/09/2018 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 A A Safe Harbor QM Safe Harbor QM Yes
206687584 26508525 504932937 11677006 26508525-2683 05/02/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.00883% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $29,475.00 on a Federal Total Loan Amount of $979,618.17 vs. an allowable total of $29,388.54 (an overage of $86.46 or .00883%). Points and Fees on subject loan of 3.00883% is in excess of the allowable maximum of 3.00000%.     Reviewer Comment (2019-05-13): Discount point worksheet provided. Points are Bona Fide. Exception cleared. Seller Comment (2019-05-09): 5/8/19- Disagree with finding. See uploaded Predatory testing results.. Points and Fees do not exceed the amount allowed. 05/13/2019     1 A 07/09/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687584 26508525 504932937 11677033 26508525-7038 05/02/2019 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/07/03/2018) Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing.     Reviewer Comment (2019-05-09): Evidence of earlier receipt provided. Seller Comment (2019-05-09): 5/8/19- Initial CD was sent via electronic delivery on 7/3/18 and acknowledged by the borrower on 7/3/18.. See uploaded Loan Summary evidencing CD acknowledgement. 05/09/2019     1 A 07/09/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687586 26508528 504944822 11673221 26508528-4436 05/01/2019 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/07/01/2018) Missing proof borrowers received a copy of their appraisal.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/26/2018 MA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687586 26508528 504944822 11696265 26508528-4386 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/23/2018 disclosed a Loan Type that does not match the actual loan type for the loan. (Final/07/23/2018) Loan type is Conventional but CD states Other - Jumbo.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/26/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687587 26508529 504933442 11676666 26508529-25158 05/02/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/27/2018 TX Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687587 26508529 504933442 11676667 26508529-6583 05/02/2019 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 $650.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)           05/02/2019   1 A 07/27/2018 TX Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687587 26508529 504933442 11694080 26508529-4866 05/03/2019 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. Disclosure acknowledging receipt was signed at closing.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/27/2018 TX Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687588 26508530 504922273 11672220 26508530-855 05/01/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/17/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018 A Post Disaster Property Inspection is missing.     Reviewer Comment (2019-05-14): Received Post Disaster Property Inspection. Seller Comment (2019-05-13): See attached PDI       1 A 06/21/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687588 26508530 504922273 11672234 26508530-22154 05/01/2019 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 06/29/2018, Transaction Date: 06/21/2018 Closing date is 6/21/2018 and the Disbursement date is 6/22/2018. Hazard Insurance effective date is 6/29/2018 which is out of tolerance.     Reviewer Comment (2019-05-14): Per PCCD dated 6/29/18 that matches Final Settlement Statement funding date is 6/29/18, insurance effective at time of funding. Seller Comment (2019-05-13): Disagree with finding the insurance in an escrow states the policy must be in place at time of consummation. In an escrow state consummation and transfer of property occurs on the day of disbursement which is also when the property is recorded. Policy may be in place prior to or on the date of disbursement. Seller Comment (2019-05-09): The loan closed in an Escrow state. Please see the attached CD which reflects a Disbursement date of 6/29/2018. It is not uncommon for the disbursement date not match the Note date in an escrow state on a Purchase transaction. The funds are held in escrow until they are ready to disburse. The insurance policy has an effective date of 6/29/2018 which matches the disbursement date on the CD. 05/14/2019     1 A 06/21/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687588 26508530 504922273 11672488 26508530-25158 05/01/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate Lock is missing.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/21/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687588 26508530 504922273 11672493 26508530-4826 05/01/2019 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 06/21/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/21/2018) Due to tolerance violations.     Reviewer Comment (2019-05-09): Tolerance exception have been cleared. Exception Cleared. 05/09/2019     1 A 06/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687588 26508530 504922273 11741856 26508530-6542 05/07/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $125.00 exceeds tolerance of $63.00. Insufficient or no cure was provided to the borrower. (75201) Insufficient or no cure was provided to the borrower. Missing a valid change in circumstance of increased fee.     Reviewer Comment (2019-05-09): AMC reviewed exception. The purchase agreement indicates seller is to pay own fees. Exception Cleared. Seller Comment (2019-05-08): Disagree - All title fees should be tested as 10% as the borrower selected the provider from the SPL. Total 10% fees disclosed to the borrower from the ILE was $4,802, however the total 10% title fees charged to the borrower on the Final CD was $3,993. The borrower was not over charged from the fees which were initially disclosed on the ILE. The Seller fees are not included in tolerance testing as the fees were required as part of the Seller's transaction. No violation occurred. 05/09/2019     1 A 06/21/2018 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 A C B A A Safe Harbor QM Safe Harbor QM Yes
206687588 26508530 504922273 11741857 26508530-6542 05/07/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $75.00 exceeds tolerance of $45.00. Insufficient or no cure was provided to the borrower. (75206) Insufficient or no cure was provided to the borrower. Missing a valid change in circumstance of increased fee.     Reviewer Comment (2019-05-09): AMC reviewed exception. The purchase agreement indicates seller is to pay own fees. Exception Cleared. Seller Comment (2019-05-08): Disagree - All title fees should be tested as 10% as the borrower selected the provider from the SPL. Total 10% fees disclosed to the borrower from the ILE was $4,802, however the total 10% title fees charged to the borrower on the Final CD was $3,993. The borrower was not over charged from the fees which were initially disclosed on the ILE. The Seller fees are not included in tolerance testing as the fees were required as part of the Seller's transaction. No violation occurred 05/09/2019     1 A 06/21/2018 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 A C B A A Safe Harbor QM Safe Harbor QM Yes
206687588 26508530 504922273 11741858 26508530-6542 05/07/2019 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 $5,405.50 exceeds tolerance of $2,703.00. Insufficient or no cure was provided to the borrower. (7561) Insufficient or no cure was provided to the borrower. Missing a valid change in circumstance of increased fee.     Reviewer Comment (2019-05-09): AMC reviewed exception. The purchase agreement indicates seller is to pay own fees. Exception Cleared. Seller Comment (2019-05-08): Disagree - All title fees should be tested as 10% as the borrower selected the provider from the SPL. Total 10% fees disclosed to the borrower from the ILE was $4,802, however the total 10% title fees charged to the borrower on the Final CD was $3,993. The borrower was not over charged from the fees which were initially disclosed on the ILE. The Seller fees are not included in tolerance testing as the fees were required as part of the Seller's transaction. No violation occurred 05/09/2019     1 A 06/21/2018 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 A C B A A Safe Harbor QM Safe Harbor QM Yes
206687588 26508530 504922273 11741859 26508530-6542 05/07/2019 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 $450.00 exceeds tolerance of $225.00. Insufficient or no cure was provided to the borrower. (7563) Insufficient or no cure was provided to the borrower. Missing a valid change in circumstance of increased fee.     Reviewer Comment (2019-05-09): AMC reviewed exception. The purchase agreement indicates seller is to pay own fees. Exception Cleared. Seller Comment (2019-05-08): Disagree - All title fees should be tested as 10% as the borrower selected the provider from the SPL. Total 10% fees disclosed to the borrower from the ILE was $4,802, however the total 10% title fees charged to the borrower on the Final CD was $3,993. The borrower was not over charged from the fees which were initially disclosed on the ILE. The Seller fees are not included in tolerance testing as the fees were required as part of the Seller's transaction. No violation occurred 05/09/2019     1 A 06/21/2018 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 A C B A A Safe Harbor QM Safe Harbor QM Yes
206687589 26508531 505030585 11677517 26508531-4850 05/02/2019 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 02/25/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/25/2019) Final CD disclosed the dollar amount by which the Total Closing Costs exceeded the legal limit of $150, however, the actual amount is $1,848.95.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 02/25/2019 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
206687589 26508531 505030585 11677518 26508531-7038 05/02/2019 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/02/25/2019) Evidence that borrower received copy of Closing Disclosure at least 3 business days prior to closing was not provided.     Reviewer Comment (2019-05-08): Initial CD provided Seller Comment (2019-05-07): 3 Day CD was provided 2/11/19 and signed by 2/13/19. Document has been uploaded. 05/08/2019     1 A 02/25/2019 CA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687589 26508531 505030585 11677519 26508531-6543 05/02/2019 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 $375.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11677520 26508531-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $395.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7319) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11677521 26508531-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $825.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11677522 26508531-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $95.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7346) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11677525 26508531-6542 05/02/2019 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 $48.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11677526 26508531-6542 05/02/2019 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 $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11677527 26508531-6542 05/02/2019 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 $79.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11677539 26508531-6297 05/02/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,609.75 and disclosure timing violations. The E-sign disclosure was not located within the file.     Reviewer Comment (2019-05-08): AMC received E Consent dated 01/23/2019. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 02/25/2019 CA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687589 26508531 505030585 11694265 26508531-6542 05/03/2019 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 $780.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-17): AMC received PCCD indicating cure, LOE, Refund Check, and Proof of Delivery. Exception Cured. Seller Comment (2019-05-16): Please see the attached PCCD and Restitution Reviewer Comment (2019-05-10): AMC reviewed exception. The appraisal report was completed 02/04 which would indicate the fee increase/large property not know at initial disclosure. The fee increase is required be disclosed within 3 days of knowledge of the changed circumstance however it was not disclosed until 02/11. Seller Comment (2019-05-09): Please provide more information, are you stating the appraisal must be completed within 3 days of disclosure of the ILE? The econsent was provided 1/23/2019, the ILE was provided 1/24/2019 and the Appraisal was ordered on 1/30/2019 and completed 2/4/2019. Reviewer Comment (2019-05-08): AMC reviewed exception. The appraisal was completed 02/04/19 over 3 days prior to disclosure. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/17/2019     1 A 02/25/2019 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
206687589 26508531 505030585 11919903 26508531-6545 05/17/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower. (7506) AMC received PCCD indicating cure, LOE, Refund Check, and Proof of Delivery. Exception Cured.     Reviewer Comment (2019-05-17): AMC received PCCD indicating cure, LOE, Refund Check, and Proof of Delivery. Exception Cured.   05/17/2019   2 B 02/25/2019 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687590 26508532 504918806 11679969 26508532-23688 05/02/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage is short by $209,301.20. Need lender replacement cost estimator.     Reviewer Comment (2019-05-17): Received insurer's replacement cost estimator. Coverage is sufficient Seller Comment (2019-05-16): See the attached Home Insurance Policy Declarations. The bottom of page 2 states, "Additional replacement cost - subject to the policy terms and provisions. This coverage C limit of liability shown in the declarations to equal the current "replacement cost" of the building." The insurance company is stating that the policy includes guaranteed replacement based on their determined replacement cost of the dwelling. No further documentation should be required. Reviewer Comment (2019-05-15): The HOI Coverage of $798,338 is insufficient to cover 80% of estimated cost to rebuild per the Appraisal of $1,007,639.20 resulting in a Coverage Shortfall of $209,301.20. Replacement cost from the insurer to determine Coverage amount of $798,338 is sufficient was not provided. Condition remains. Seller Comment (2019-05-08): See attached evidence of insurance reflecting dwelling coverage of $809,600, which far exceeds the original principal balance of $653,000. 05/17/2019     1 A 07/30/2018 WI Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687590 26508532 504918806 11682384 26508532-7456 05/02/2019 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 05/04/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. xxx/Schedule C) In file 2017 extension.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/30/2018 WI Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687590 26508532 504918806 11682385 26508532-7456 05/02/2019 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 05/04/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxS-Corp) In file 2017 extension.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/30/2018 WI Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687590 26508532 504918806 11682386 26508532-7456 05/02/2019 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 05/04/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. xxxx/Schedule C) In file 2017 extension.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/30/2018 WI Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687590 26508532 504918806 11682396 26508532-5180 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 07/30/2018 did not disclose number of months for Property Tax under Prepaids. (Final/07/30/2018) Confirmed with CD dated 07-30-18 this section was blank,     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/30/2018 WI Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687590 26508532 504918806 11682399 26508532-6542 05/02/2019 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 $114.54 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520) $34.75 credit to borrower however this is insufficient. Need cure to be at least $39.75.     Reviewer Comment (2019-05-10): AMC received PCCD, LOE, and Refund Check. Exception Cleared. Seller Comment (2019-05-09): 5/9, Disagree - The Zero Percent Fee Tolerance was exceeded for Credit Report Fee, however, all restitution has been provided to borrower. A portion of the Lender Credit was provided to the borrower at closing in the amount of $34.75 and used to reduce violation amount to $4.79. The remaining $4.79 was sent to the borrower in the form of a restitution check. Proof of Delivery is not required due to the amount being less than $20.00. A copy of the Letter of Explanation, Copy of Refund, and Corrected CD has been uploaded to file for review. 05/10/2019     1 A 07/30/2018 WI 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687590 26508532 504918806 11682830 26508532-4850 05/02/2019 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 07/30/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/30/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. Cure amount is insufficient. need cure to be $39.75.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/30/2018 WI Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687590 26508532 504918806 11740669 26508532-5404 05/07/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx Missing written confirmation from an accountant or legal counsel for B-1. Family employed: Borrower Employed by Family Member. Borrowers who are employed by a family member are considered to be self- employed, regardless of the percentage of ownership, and self-employed documentation is required. Potential ownership by the borrower must be addressed. The underwriter must clarify potential ownership by the borrower. A borrower may be an officer of a family operated business but not an owner. Written verification of the borrower�s status should be obtained by written confirmation from an accountant or legal counsel     Reviewer Comment (2019-05-20): Cleared condition due to comments indicating condition was cleared on 5/16/2018. Seller Comment (2019-05-17): AMC Comment from 5/16 states that exception is cleared, Can you please change the grade and remove from Open exceptions. Reviewer Comment (2019-05-16): Business is owned by co-borrower at 100% per K-1's for 2015 and 2016. Exceptions cleared. Borrower is a 1099 earner. Seller Comment (2019-05-08):xxxguidelines borrowers who are employed by a family member are considered to be self-employed, regardless of the perentage of ownership, and self-employed documentation is required. The business tax returns were prepared by the co-borrower's CPA and the K-1's confirm xxx has 100% ownership. The printout in the file from the xxxx supports that as only xxxx is listed as an Agent. The loan file contains two years of personal and business tax returns, K-1's and W2's. The primary borrower is also a self-employed realtor. 05/20/2019     1 A 07/30/2018 WI Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687590 26508532 504918806 11813689 26508532-6545 05/10/2019 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 $114.54 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower. (7520) AMC received PCCD, LOE, and Refund Check. Please provide Proof of Delivery or cancelled check to indicate refund was received.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/30/2018 WI Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687591 26508535 504938378 11678618 26508535-2808 05/02/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Not provided.     Reviewer Comment (2019-05-09): Approval provided. Exception cleared. Seller Comment (2019-05-09): Attached is a copy of approval letter from the file. 05/09/2019     1 A 07/13/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687591 26508535 504938378 11679648 26508535-6297 05/02/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $13,880.00 and disclosure timing violations. E-sign consent not found in documents provided.     Reviewer Comment (2019-05-15): Received disclosure tracking. Borrower provided eConsent on 6/04/2018. Seller Comment (2019-05-15): Please see the attached e-consent Reviewer Comment (2019-05-14): Re-opened due to being regraded to an EV3. Reviewer Comment (2019-05-13): Client elects to waive. Reviewer Comment (2019-05-09): EConsent regraded to EV3 05/15/2019     1 A 07/13/2018 CA Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687591 26508535 504938378 11679651 26508535-4826 05/02/2019 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 07/13/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/13/2018) No cure provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/13/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206687591 26508535 504938378 11679652 26508535-6543 05/02/2019 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 $451.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11679653 26508535-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $995.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11679654 26508535-6542 05/02/2019 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 $7,400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11679655 26508535-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $695.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11679656 26508535-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $495.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7396) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11679657 26508535-6542 05/02/2019 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 $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11679658 26508535-6542 05/02/2019 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 $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11679659 26508535-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $62.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75201) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-11): Due to seller paid portion. Exception cancelled.       1 A 07/13/2018 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
206687591 26508535 504938378 11679660 26508535-6542 05/02/2019 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 $2,100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7561) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-11): Due to seller paid portion. Exception cancelled.       1 A 07/13/2018 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
206687591 26508535 504938378 11679661 26508535-6542 05/02/2019 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 $99.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7563) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-11): Due to seller paid portion. Exception cancelled.       1 A 07/13/2018 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
206687591 26508535 504938378 11679662 26508535-6542 05/02/2019 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 $1,017.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) E-sign documentation missing causing exception.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 07/13/2018 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
206687591 26508535 504938378 11747145 26508535-25737 05/07/2019 Property Property - Appraisal Appraisal Documentation Loan is to go in a securitization and secondary valuation does not support the appraised value within a 10% tolerance. The lower value was not used to calculate LTV.   A variance of 10.80%. Desk review value $830,000.00. Appraisal value $930,000.00     Reviewer Comment (2019-05-09): Value Reconciliation of Three Reports provided within allowable variance. Exception cleared. Seller Comment (2019-05-09): The Appraisal Management team or a designated jumbo underwriter will perform a review of the appraisal and CDA with MLS when both are provided to xxxx. If the value on the Collateral Desktop Analysis (CDA) is outside a negative 10% variance and Appraisal Management or the designated jumbo underwriter has reviewed the CDA and agrees with the value or if the CDA is Indeterminate, the following will apply: The 3 Pt. Value Reconciliation is the final determination as to the value of the property. Attached copy of three point value reconciliation indicates reconciled value of $975,000. As the 3 Pt. Value Reconciliation of $975,000 was higher than the initial $930,000 or CDA value, the initial value was used. 05/09/2019     1 A 07/13/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687591 26508535 504938378 11888684 26508535-25442 05/15/2019 Property Property - Appraisal Appraisal Documentation Loan is to go into a securitization and highest level secondary valuation does not support the appraised value within a 10% tolerance. The lower value was not used to calculate LTV.         Reviewer Comment (2019-05-15): Value Reconciliation of Three Reports provided within allowable variance. Exception cleared. 05/15/2019     1 A 07/13/2018 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206687592 26508536 504922329 11678369 26508536-25158 05/02/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/14/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687592 26508536 504922329 11678409 26508536-22154 05/02/2019 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 06/20/2018, Transaction Date: 06/15/2018 Effective 6/20/2018; closed 6/14/18.     Reviewer Comment (2019-05-15): The loan disbursement date was 6/21/2018. The Hazard Insurance Policy effective date was 6/20/2018. Insurance coverage was in effect at time of disbursement. Condition is cleared. Seller Comment (2019-05-09): Disagree. The subject is located in California, which is a dry funding/escrow state. Per the final CD in the file the loan did not fund until 06/21/2018. Therefore the insurance effective 06/20/2018 was in place at time of funding. 05/15/2019     1 A 06/14/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687592 26508536 504922329 11697432 26508536-4436 05/03/2019 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/05/31/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/14/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687593 26508537 504948085 11680933 26508537-4436 05/02/2019 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/07/16/2018)       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/21/2018 MN Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687593 26508537 504948085 11680934 26508537-4436 05/02/2019 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:Secondary/07/25/2018)       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/21/2018 MN Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687593 26508537 504948085 11680937 26508537-3126 05/02/2019 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/21/2018 MN Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687593 26508537 504948085 11680952 26508537-6623 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 08/21/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/08/21/2018) Missing     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/21/2018 MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687593 26508537 504948085 11680953 26508537-4826 05/02/2019 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 08/21/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/21/2018) Missing Esign to run complete compliance     Reviewer Comment (2019-05-13): Client elects to waive. Reviewer Comment (2019-05-09): AMC received E Consent however exception is not due to E Consent. The seller fees are included in calculation per client settings and purchase agreement indicates buyers to pay all costs therefore the 10% tolerance is exceeded by $22.60. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018     05/13/2019 2 B 08/21/2018 MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687593 26508537 504948085 11680956 26508537-6543 05/02/2019 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 $148.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) $0 tolerance cure provided to borrower.     Reviewer Comment (2019-05-13): AMC re reviewed purchase agreement that does indicate seller is responsible for recording costs. Exception Cleared. Seller Comment (2019-05-10): Disagree with finding. Please see attached 10% tolerance fee. Reviewer Comment (2019-05-09): AMC received E Consent however exception is not due to E Consent. The seller fees are included in calculation per client settings and purchase agreement indicates buyers to pay all costs therefore the 10% tolerance is exceeded by $22.60. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/13/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701354 26508537-4866 05/03/2019 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 that Home Loan Toolkit provided to borrower at application. Disclosure signed was at closing     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 08/21/2018 MN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687593 26508537 504948085 11701356 26508537-6542 05/03/2019 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 $2,720.28 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701357 26508537-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $915.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701358 26508537-6542 05/03/2019 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 $510.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701359 26508537-6542 05/03/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701360 26508537-6542 05/03/2019 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 $75.09 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701361 26508537-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701362 26508537-6542 05/03/2019 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 $79.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701363 26508537-6542 05/03/2019 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 $3,963.40 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers E-consented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN 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
206687593 26508537 504948085 11701366 26508537-6297 05/03/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $8,566.52 and disclosure timing violations. Missing e-sign consent.     Reviewer Comment (2019-05-08): Received evidence of borrowers consent to receive electronic documents. Seller Comment (2019-05-08): 5/7/2019- Please find Loan Summary under section labeled: Application & Disclosure Information showing the borrowers Econsented on 7/11/2018 05/08/2019     1 A 08/21/2018 MN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687593 26508537 504948085 12009985 26508537-22608 05/23/2019 Compliance Compliance State Compliance Minnesota Advance Fee Agreement Status Unable to determine if Borrower was provided Advanced Fee Agreement due to missing information.       Reviewer Comment (2019-05-24): Client Elects to waive     05/24/2019 2 B 08/21/2018 MN Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687593 26508537 504948085 12009986 26508537-22609 05/23/2019 Compliance Compliance State Compliance Minnesota Conditional Qualification/Approval Disclosure Status Unable to determine if borrower was provided Conditional Qualification/Approval Disclosure due to missing information.       Reviewer Comment (2019-05-24): Client Elects to Waive     05/24/2019 2 B 08/21/2018 MN Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687594 26508538 504930418 11678516 26508538-4826 05/02/2019 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 09/19/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/19/2018) The Final Closing Disclosure did not indicate the amount of the Total Closing Costs exceeding the legal limit.     Reviewer Comment (2019-05-09): Change of circumstance - credit supplement requested and CDA requested 05/09/2019     1 A 10/02/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687594 26508538 504930418 11678518 26508538-6542 05/02/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) The Final Closing Disclosure reflects a $150 Fee for the Collateral Desktop Analysis which was not originally disclosed on the Loan Estimate.     Reviewer Comment (2019-05-09): Change of circumstance - credit supplement requested and CDA requested Seller Comment (2019-05-08): 5/8/2019, Disagree- The Loan does not exceed the zero percent tolerance fee for the Collateral Desktop Analysis. The fee amount of $150 does not exceed the tolerance of $0 and no cure is needed. A Change of Circumstance was provided the customer notifying them of the needed change. The COC has been attached. 05/09/2019     1 A 10/02/2018 FL Primary Purchase 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
206687594 26508538 504930418 11678519 26508538-6542 05/02/2019 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 $143.00 exceeds tolerance of $123.00. Insufficient or no cure was provided to the borrower. (7520) The Final Closing Disclosure reflects a $143 Fee for the Credit Report, the Loan Estimate originally disclosed $123.     Reviewer Comment (2019-05-09): Change of circumstance - credit supplement requested and CDA requested Seller Comment (2019-05-08): 5/8, Disagree - The Loan does not exceed the zero percent tolerance fee for the Credit Report. The Fee Amount of $143.00 does not exceed tolerance of $123.00 and no cure is needed. A Change of Circumstance was provided the customer notifying them of the needed change. The COC has been attached. 05/09/2019     1 A 10/02/2018 FL Primary Purchase 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
206687594 26508538 504930418 11678730 26508538-24188 05/02/2019 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 $3,091.00 on Final Closing Disclosure provided on 09/19/2018 not accurate. (Final/09/19/2018) The Final Closing Disclosure reflects $3091 for the Amount of Non-Escrowed Property Costs over Year 1, the Valuation provided indicates HOA dues are $281 monthly, or $3372 annually.     Reviewer Comment (2019-05-13): Upon further review, the exception is cleared. Seller Comment (2019-05-10): 3/10/2019, Disagree - TILA-RESPA Integrated Disclosure - Loan Disclosures -The non escrowed costs in this section show the amount paid within the 1st year of the closing date. There are only 11 payments made within 1 year of the closing date since the first payment skips a month. The Final Closing Disclosure amount $3091 for non escrowed costs is correct. 05/13/2019     1 A 10/02/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687594 26508538 504930418 11678774 26508538-4376 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/19/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/09/19/2018) The Finance Charge reflected on the Final Closing Disclosure is $393,403.83.     Reviewer Comment (2019-05-09): Community Commencement Fee of $950 in Section H not subject to Finance Charges - exception cleared Seller Comment (2019-05-08): 5/8/2019, Disagree - The Loan Finance Charges were disclosed at $393403.83 and the Calculated Finance Charges are $393115.90. The Finance Charges were over disclosed and the variance is acceptable. The Predatory Worksheet has been attached. 05/09/2019     1 A 10/02/2018 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687596 26508541 504937439 11678358 26508541-6677 05/02/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Christopher/Burr/2644754) Provide letter of explanation for the gap of employment between Home Depot and Compass Group to complete two year employment history.     Reviewer Comment (2019-05-17): Letter of explanation for the gap of employment provided. Condition is cleared. Seller Comment (2019-05-16): LOX has been uploaded Seller Comment (2019-05-16): Please see the attached LOE 05/17/2019     1 A 08/03/2018 TN Primary Refinance - Cash-out - Debt Consolidation   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687596 26508541 504937439 11678360 26508541-3867 05/02/2019 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 is failing Safe Harbor QM loan designation due to incomplete 2 year employment history.     Reviewer Comment (2019-05-17): Letter of explanation for job gap provided. Condition is cleared. Seller Comment (2019-05-16): Please see the attached LOE 05/17/2019     1 A 08/03/2018 TN Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687596 26508541 504937439 11678361 26508541-24188 05/02/2019 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 $440.00 on Final Closing Disclosure provided on 08/02/2018 not accurate. (Final/08/02/2018) Per the appraisal, the annual HOA fee is $40. The final CD reflects non-escrowed property costs over one year in the amount of $440.     Reviewer Comment (2019-05-22): AMC received updated appraisal indicating HOA dues of $40/year. Exception Cleared. Seller Comment (2019-05-21): Disregard prior comment Seller Comment (2019-05-21): See attached appraisal showing HOA fee of $40.00. We provided a corrected CD showing the total of $480 Reviewer Comment (2019-05-17): AMC received PCCD indicating non escrowed property costs of $480 and updated appraisal indicating HOA Dues of $40/year. Please reference or provide documentation supporting $480/year or corrected CD and LOE to cure. Seller Comment (2019-05-16): Updated CD has been provided 05/22/2019     1 A 08/03/2018 TN Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687596 26508541 504937439 11717451 26508541-3831 05/06/2019 Credit Credit Miscellaneous Credit Exception:   The appraisal states the property is in flood zone AE which would require the loan to include flood coverage, however the flood cert. provided states the property is in zone X. Provide evidence of the correct flood zone, and flood insurance if applicable.     Reviewer Comment (2019-05-17): Updated appraisal stating property is in Flood Zone X provided. Condition is cleared. Seller Comment (2019-05-16): Please see the updated Appraisal. Flood Zone X 05/17/2019     1 A 08/03/2018 TN Primary Refinance - Cash-out - Debt Consolidation   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687596 26508541 504937439 11718510 26508541-23385 05/06/2019 Credit System General Valuation address does not match Note address. Valuation Type: Desk Review / Valuation Report Date: 07/13/2018 The address on the CDA reflects xxxxx.     Reviewer Comment (2019-05-15): Received updated CDA with matching address. Condition is cleared. Seller Comment (2019-05-08): Attached please find CDA 05/15/2019     1 A 08/03/2018 TN Primary Refinance - Cash-out - Debt Consolidation   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687597 26508543 504947853 11685401 26508543-2808 05/02/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-15): Approval was located in loan file. Condition is cancelled. Seller Comment (2019-05-09): Disagree: Please see the attached approval which was located in the file.       1 A 08/27/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687597 26508543 504947853 11686672 26508543-25158 05/02/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/27/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687597 26508543 504947853 11739803 26508543-7455 05/07/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Verma,Shuchi Par Ray Holdings LLC/S-Corp) Missing Balance Sheet     Reviewer Comment (2019-05-15): Received signed balance sheet. Seller Comment (2019-05-09): Please see the attached signed Balance Sheets. 05/15/2019     1 A 08/27/2018 NJ Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687597 26508543 504947853 11739804 26508543-3867 05/07/2019 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 Balance Sheet     Reviewer Comment (2019-05-15): Received signed balance sheet. Seller Comment (2019-05-09): Please see the attached signed Balance Sheets. 05/15/2019     1 A 08/27/2018 NJ Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687598 26508546 504966257 11681192 26508546-3867 05/02/2019 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 declining income.     Reviewer Comment (2019-05-16): Based on YTD P&L for the 6 months using the assumption it will continue on the same stream is less than 4% decline from 2017 and therefore not significant to fail QM. Exception cleared. Seller Comment (2019-05-08): Borrower's qualifying income was based on self-employment income from two S-Corps. Income from xxxx was based on a 12 month average of most recent year tax return due to the decline in income. A review of the business tax returns revealed slight decrease in net sales and more considerable increase in the business expenses with most notable expense increases from automobile and for addition of empoyee(s). Borrower is part owner of another business, xxxx. A review of the business tax returns revealed a significant increase from 2016 to 2017 in the overall sales and profit for this business. Income from xxxx, was based on a 24 month average. Income calculation accounted for the decrease in business earnings from the one business by using 12 month average from most recent tax return and used a 24 month average from the other business. YTD profit and loss statement revealed increasing/stable income. Borrower has good credit and excellent reserves after closing. 05/16/2019     1 A 09/28/2018 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
206687598 26508546 504966257 11681198 26508546-24188 05/02/2019 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 $3,816.00 on Final Closing Disclosure provided on 09/27/2018 not accurate. (Final/09/27/2018) HOA is $155/month or $1,860/year and page 4 of final CD disclosed $3,816/year.     Reviewer Comment (2019-05-29): A final PCCD was provided correcting the cost year 1 to include the SID and HOA Seller Comment (2019-05-28): see attached PCCD Reviewer Comment (2019-05-22): Please provide documents to support the HOA and SID values. Per the appraisal the SID is $1900 annually and $155 per month. An LOE from the HOA confirming these values indicated is required. The PCCD is not a sufficient document to support the lower values used. Seller Comment (2019-05-22): Per the PCCD, the HOA fees are $46 and $120 per month or $1992 yearly, SID was only $1044.17 yearly for a total of $3036.17, this is a difference of $.05 from the PCCD non escrowed property costs of $3036.12 Reviewer Comment (2019-05-21): Per the appraisal the HOA fee is $1860 annually and the Special Assessment is $1900 which equals $3760.00 and the PCCD lists the cost over year 1 of non-escrow as $3036.12. That is a variance of $723.88 Reviewer Comment (2019-05-09): AMC received PCCD indicating non escrowed property costs of $3036.12. The appraisal indicates HOA Dues of $155/mo or $1860/year. Please reference or provide documentation supporting amount or please provide corrected CD and LOE to cure. Seller Comment (2019-05-08): Please see the attached PCCD and LOE   05/29/2019   2 B 09/28/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687598 26508546 504966257 11681200 26508546-4925 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Security Interest TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/27/2018 did not disclose the address for which the consumer is granting a security interest. (Final/09/27/2018) Note states zip code is 89135-9104 and final CD states 89148.     Reviewer Comment (2019-05-09): AMC received PCCD correcting Security Interest address and LOE. Exception Cured. Seller Comment (2019-05-08): Please see the attached PCCD and LOE   05/09/2019   2 B 09/28/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687598 26508546 504966257 11681201 26508546-4826 05/02/2019 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 09/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/27/2018) Final CD did not disclose a dollar amount by which the total closing costs exceed legal limit.     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. 05/08/2019     1 A 09/28/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687598 26508546 504966257 11720903 26508546-6572 05/06/2019 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/07/01/2018)       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/28/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687598 26508546 504966257 11720929 26508546-3136 05/06/2019 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. Disclosure provided on 11/1/2017 and application date is 10/20/2017.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/28/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687598 26508546 504966257 11720987 26508546-23912 05/06/2019 Credit Guideline Guideline Issue Aged document: Primary Valuation is older than guidelines permit Valuation Type: Appraisal / Valuation Report Date: 07/01/2018 Appraisal Property is new construction and a final inspection was completed on 8/31/208 and loan closed on 9/28/2018.     Reviewer Comment (2019-05-16): Exception cleared. Appraisal effective date is 06/28/18 which is 92 days to Note date of 09/28/18. Seller Comment (2019-05-08): Appraisal is not aged. Product guidelines state appraisals must be dated within 120 days from date Note is signed. Appraisal was completed subject to completion of home and reflects an effective date of 6/28/2018. Appraisal Completion Report on Form 442/1004D completed on 8/31/2018. Based on Note date of 9/28/2018, the appraisal and final inspection/completion certification are both dated within 120 days prior to the Note date and meet the guideline requirement. 05/16/2019     1 A 09/28/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687598 26508546 504966257 11721145 26508546-23389 05/06/2019 Credit System General Closing Disclosure Subject Address does not match Note address. Date Issued: 09/27/2018, Date Issued: 09/24/2018 Note states zip code is 89135-9104 and final CD states 89148.     Reviewer Comment (2019-05-15): Received post close and letter of explanation with corrected zip code. Condition is cleared. Seller Comment (2019-05-08): Please see the attached PCCD and LOE 05/15/2019     1 A 09/28/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687598 26508546 504966257 11730878 26508546-1037 05/06/2019 Compliance Compliance Federal Compliance Self Employed YTD Qualified Mortgage (Dodd-Frank 2014): Self-employed qualifying income reflects a declining earnings trend. (xxxxx/S-Corp)       Reviewer Comment (2019-05-16): Based on YTD P&L for the 6 months using the assumption it will continue on the same stream is less than 4% decline from 2017 and therefore not significant to fail QM. Exception cleared. Seller Comment (2019-05-08): 5/8: Borrower's qualifying income was based on self-employment income from two S-Corps. Income from xxxx was based on a 12 month average of most recent year tax return due to the decline in income. A review of the business tax returns revealed slight decrease in net sales and more considerable increase in the business expenses with most notable expense increases from automobile and for addition of empoyee(s). Borrower is part owner of another business, xxxx. A review of the business tax returns revealed a significant increase from 2016 to 2017 in the overall sales and profit for this business. Income from xxxx, was based on a 24 month average. Income calculation accounted for the decrease in business earnings from the one business by using 12 month average from most recent tax return and used a 24 month average from the other business. YTD profit and loss statement revealed increasing/stable income. Borrower has good credit and excellent reserves after closing. 05/16/2019     1 A 09/28/2018 NV Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687598 26508546 504966257 11730883 26508546-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $390.00 exceeds tolerance of $28.00. Insufficient or no cure was provided to the borrower. (73196) No cure provided for the increase in the UW fee from $28.00 to $390.00     Reviewer Comment (2019-05-08): AMC reviewed exception. Exception Cleared. Seller Comment (2019-05-07): Loan Review Fee is $390.00 on all LE's and CD's- see attached 05/08/2019     1 A 09/28/2018 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
206687600 26508557 504971989 11681835 26508557-7455 05/02/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxxx/S-Corp) Missing a filed 2017 extension for the business.     Reviewer Comment (2019-05-21): Balance sheet provided Reviewer Comment (2019-05-21): The extension provided was only for the borrower personal 1040's not the business Seller Comment (2019-05-21): File contains 2017 personal tax filing extension and the 2016 and 2015 personal tax returns indicate borrower filed tax extension in those years, with personal tax returns completed by CPA on 10/15 of the applicable year (2016 tax return from CPA completed 10/15/2017 and 2015 tax return completed by CPA 10/15/2016). Tax transcripts for the 1040�s in the file support personal tax returns filed within two days of CPA completing forms. The business tax returns follow the same process. The 2016 business tax returns for Eric Cohler Design, Inc. were completed by the CPA on 9/15/2017 and the 2015 business tax return for Eric Cohler Design, Inc. were completed by the CPA on 9/15/2016. Borrower is 100% owner of the business and has personal and business tax returns prepared by the same individual. File contains a Balance Sheet and Profit/Loss statement for 2017, as well as both YTD forms for 2018. Income reflected on 2017 year ending Profit/Loss statement and the 2018 YTD Profit/Loss statement both support monthly qualifying income, with an increase from the prior year. 05/21/2019     1 A 09/25/2018 GA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687600 26508557 504971989 11681839 26508557-7456 05/02/2019 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 08/24/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Cohler,Eric Eric Cohler Design, Inc/S-Corp) Missing a filed 2017 extension for the business.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/25/2018 GA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687600 26508557 504971989 11681851 26508557-25503 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 20,274.51 on Final Closing Disclosure provided on 09/25/2018 not accurate. (Final/09/25/2018) Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 20,274.51, however based on documentation we have in file the monthly hazard $342.08, Taxes $1172.47 and HOA $175.00 =1689.55*12 =20,274.60 a difference of $0.09.     Reviewer Comment (2019-05-21): Completed and corrected 05/21/2019     1 A 09/25/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687600 26508557 504971989 11682100 26508557-20305 05/02/2019 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 08/24/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Cohler,Eric Eric Cohler Design, Inc/S-Corp) Missing a filed 2017 extension for the business.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/25/2018 GA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687600 26508557 504971989 11682104 26508557-3867 05/02/2019 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 a filed 2017 extension for the business.     Reviewer Comment (2019-05-21): Balance sheet provided Reviewer Comment (2019-05-21): Only the extension for the borrower personal tax returns was provided and not the businesses. Seller Comment (2019-05-21): File contains 2017 personal tax filing extension and the 2016 and 2015 personal tax returns indicate borrower filed tax extension in those years, with personal tax returns completed by CPA on 10/15 of the applicable year (2016 tax return from CPA completed 10/15/2017 and 2015 tax return completed by CPA 10/15/2016). Tax transcripts for the 1040�s in the file support personal tax returns filed within two days of CPA completing forms. The business tax returns follow the same process. The 2016 business tax returns for Eric Cohler Design, Inc. were completed by the CPA on 9/15/2017 and the 2015 business tax return for Eric Cohler Design, Inc. were completed by the CPA on 9/15/2016. Borrower is 100% owner of the business and has personal and business tax returns prepared by the same individual. File contains a Balance Sheet and Profit/Loss statement for 2017, as well as both YTD forms for 2018. Income reflected on 2017 year ending Profit/Loss statement and the 2018 YTD Profit/Loss statement both support monthly qualifying income, with an increase from the prior year. 05/21/2019     1 A 09/25/2018 GA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687600 26508557 504971989 11682106 26508557-4566 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/25/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/09/25/2018) Per CD page 5 reflects in "Escrow Account" section there was not an escrow account. however the page 1 reflects flood will be escrowed.     Reviewer Comment (2019-05-21): Completed and corrected 05/21/2019     1 A 09/25/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687600 26508557 504971989 11682108 26508557-4407 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/25/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/09/25/2018) Per CD page 5 reflects in "Escrow Account" section there was not an escrow account. however the page 1 reflects flood will be escrowed.     Reviewer Comment (2019-05-21): Completed and corrected 05/21/2019     1 A 09/25/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687600 26508557 504971989 11749322 26508557-6583 05/07/2019 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 $500.00 exceeds tolerance of $485.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Sufficient or excess cure was provided to the borrower at Closing.         05/07/2019   1 A 09/25/2018 GA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687602 26508564 504934517 11684947 26508564-25838 05/02/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: 1334 Prince St, Houston, TX Tax Verification       Reviewer Comment (2019-05-15): Tax verification provided. Condition is cleared. Seller Comment (2019-05-09): See attached taxes and insurance for the property at 1334 Prince St. 05/15/2019     1 A 07/31/2018 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687602 26508564 504934517 11685624 26508564-25158 05/02/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock agreement not in file or change of circumstance     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/31/2018 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687602 26508564 504934517 11685626 26508564-4087 05/02/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/31/2018 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687602 26508564 504934517 11685627 26508564-25677 05/02/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/31/2018 TX Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687602 26508564 504934517 11685670 26508564-4866 05/02/2019 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 proof Home Loan Toolkit Disclosure to applicant within 3 business days of application. Document in file on 7/31/2018 acknowledging borrower was provided the form.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/31/2018 TX Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687604 26508568 505014242 11678289 26508568-1025 05/02/2019 Compliance Compliance Federal Compliance Rental Income Documentation - 25% Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 155 W Cork Tree Dr. Lease Agreement not provided or % of gross rents used is greater than 75%. (Non-Subject Investment/25% Vacancy Method) Missing a current signed lease.     Reviewer Comment (2019-05-16): Received signed lease in trailing documents. Exception cleared. Seller Comment (2019-05-09): 5/9: Attached is a copy of the executed lease that was in the file for the property at xxxxx 05/16/2019     1 A 12/10/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687604 26508568 505014242 11678317 26508568-6411 05/02/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/06/2018) Seller CD was not provided in the file. Obtained fees directly from the consumer's.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 12/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687604 26508568 505014242 11678457 26508568-1234 05/02/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - REO 25% Method Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (Non-Subject Investment/25% Vacancy Method) Unable to verified, missing lease agreement.     Reviewer Comment (2019-05-16): Received signed lease in trailing documents. Exception cleared. Seller Comment (2019-05-09): 5/9: Attached is a copy of the executed lease that was in the file for the property at xxxx 05/16/2019     1 A 12/10/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687604 26508568 505014242 11678458 26508568-4204 05/02/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing a current signed lease.     Reviewer Comment (2019-05-16): Received signed lease in trailing documents. Exception cleared. 05/16/2019     1 A 12/10/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687604 26508568 505014242 11678459 26508568-3867 05/02/2019 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. Missing a current signed lease.     Reviewer Comment (2019-05-16): Received signed lease in trailing documents. Exception cleared. Seller Comment (2019-05-09): 5/9: Attached is a copy of the executed lease that was in the file for the property at xxxx 05/16/2019     1 A 12/10/2018 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
206687604 26508568 505014242 11678460 26508568-4866 05/02/2019 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 proof borrowers received a copy of the Toolkit within 3 days of loan application.     Reviewer Comment (2019-05-16): Mortgage'r Affidavit was in the initial file and the borrower attested they received a copy Home Toolkit with 3 days of the application. Exception was cancelled.       1 A 12/10/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687604 26508568 505014242 11678461 26508568-7038 05/02/2019 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/12/06/2018) CD issued on 12/08/18 is missing borrower signature and received date.     Reviewer Comment (2019-05-14): AMC received required documents, exception is cleared. Seller Comment (2019-05-13): Please see the attached CD delivery 05/14/2019     1 A 12/10/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687604 26508568 505014242 11678463 26508568-3988 05/02/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/05/2018 not received by borrower at least four (4) business days prior to closing. (Interim/12/05/2018) LE issued on 12/05/18 is missing borrower received date and signature.     Reviewer Comment (2019-05-14): AMC received required documents, exception is cleared. Seller Comment (2019-05-13): Please see the attached LE delivery 05/14/2019     1 A 12/10/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687606 26508573 504919103 11679433 26508573-4376 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/27/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/06/27/2018) Final CD reflects a Finance Charge of $790,449.70, whereas the calculated is $793,474.70.     Reviewer Comment (2019-05-16): Lump Sum credit applied. Exception cleared. Reviewer Comment (2019-05-10): When non-APR fees are used first on a lump sum credit, any leftover is then applied to APR fees, in this case the APR fees exceeded the amount of the remainder of the lump sum credit. Per Itemization of Prepaids on page 392, the only fees listed as APR fees were Flood - $14, Settlement - $62,50 and Prepaid Interest - $237.50. AMC included the following additional fees in the FC; PAD fee - $400, Settlement - $2040, Courier - $30, Loan Tie In - $350, Service Charge - $175, and Wire - $30. To cure a Corrected CD, Copy of Refund check in the under-disclosed amount, Letter of Explanation, rescission reopened and Proof of Delivery is required. Seller Comment (2019-05-09): When applying the Lender Credit by non-apr then APR the process we follow is as follows, the non-APR effective fees are � Appraisal � Paid at Closing ONLY � Credit Report � Non-APR Title fees included in total on line 1101 � Recording Fees � Survey � All Inspection fees � HOA fees then credit is applied to all remaining APR fees. When the credit was applied on this loan the loan passed testing. See Predatory Worksheet attached. Reviewer Comment (2019-05-08): Per deal settings set by Client option, lump sum lender credit applied to non-finance charge fees first, then finance charge fees using the waterfall approach. The refundable PAD fee and the Title - Service Charge fees are considered APR fees as they are not specific. The updated calculation FC is $791,153.68 and the Lender FC is $790,449.70, a difference of $703.98. Provide a Corrected CD, Copy of refund check for the under-disclosed amount, letter of explanation and proof of delivery to cure. Seller Comment (2019-05-08): 5/7/2019, Disagree - The loan originally failed TILA testing, however a portion of the Lender credit in the amount of $5643 was applied towards the under disclosed fees which cured the violation. 05/16/2019     1 A 06/27/2018 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
206687606 26508573 504919103 11679436 26508573-4824 05/02/2019 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 06/27/2018 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/06/27/2018) Appraisal fees and Flood Cert is missing paid to     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/27/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687606 26508573 504919103 11719504 26508573-4436 05/06/2019 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/05/21/2018) Proof of appraisal receipt not found in file.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687606 26508573 504919103 11907724 26508573-25319 05/16/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 06/27/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687607 26508574 505035929 11681128 26508574-4371 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/28/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/02/28/2019) Final CD reflects the Closing date as 3/4/2019 vs actual date of 3/8/2019.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 03/05/2019 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687607 26508574 505035929 11681134 26508574-4394 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/28/2019 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/02/28/2019) Used sales price since property was purchase 08/23/18.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 03/05/2019 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687607 26508574 505035929 11681135 26508574-18360 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Purpose Test TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/28/2019 disclosed a Purpose that does not match the actual purpose for the loan. (Final/02/28/2019) CD reflects a purchase when loan transaction is a refinance.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 03/05/2019 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687607 26508574 505035929 11719236 26508574-25838 05/06/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxx Address: xxxx Insurance Verification, Tax Verification Insurance Verification, Statement, Tax Verification For REO xxxxx missing taxes and insurance verification, For REO xxxx missing mortgage statement and if taxes and insurance are not escrowed provide taxes and insurance verification     Reviewer Comment (2019-05-15): Received REO documents for both properties. Condition is cleared. Seller Comment (2019-05-09): Please see the attached documentation. Taxes and Insurance 05/15/2019     1 A 03/05/2019 CA Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687608 26508575 504909390 11678084 26508575-2808 05/02/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-09): Approval provided. Exception cleared. Seller Comment (2019-05-07): Please see the attached Approval. Document was located in the file 05/09/2019     1 A 07/26/2018 MI Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687608 26508575 504909390 11679589 26508575-6297 05/02/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,029.75 and disclosure timing violations. Disclosures sent electronically, however, consent to receive electronic disclosures was not provided.     Reviewer Comment (2019-05-09): E-consent provided. Exception cleared. Seller Comment (2019-05-09): The E-consent has been provided. 05/09/2019     1 A 07/26/2018 MI Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687608 26508575 504909390 11679600 26508575-7115 05/02/2019 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 Escrow Account Disclosure disclosed Initial Deposit Amount of $5,000.81, however, Consumer's Final CD disclosed $5,107.32.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/26/2018 MI Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687608 26508575 504909390 11679884 26508575-4673 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/26/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/789805) Final CD disclosed an escrow payment for payment stream 1 of $1,702.44, however, the actual payment for the loan is $1,666.94.     Reviewer Comment (2019-05-07): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-07): PCCD dated 8/6/2018 disclosed the payment as $1,666.94, CD has been provided. 05/07/2019     1 A 07/26/2018 MI Primary Refinance - Rate/Term 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
206687608 26508575 504909390 11679912 26508575-4612 05/02/2019 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 07/26/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/789805) Final CD disclosed an Estimated Total Monthly Payment for payment stream 1 of $6,751.99, however, the actual total payment for the loan is $6,716.49.     Reviewer Comment (2019-05-07): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-07): PCCD dated 8/6/2018 disclosed the payment as $6,716.49, CD has been provided. 05/07/2019     1 A 07/26/2018 MI Primary Refinance - Rate/Term 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
206687608 26508575 504909390 11679924 26508575-25507 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 18,726.84 on Final Closing Disclosure provided on 07/26/2018 not accurate. (Final/07/26/2018) Final CD disclosed Amount of Escrowed Property Costs over Year 1 of 18,726.84, however, the actual amount is $20,429.28.     Reviewer Comment (2019-05-07): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-07): Disagree - Amount of Escrowed Property Costs over Year 1 states 18,726.84, however, the actual amount should be $20,003.37. Tax Cert and Insurance has been provided. 05/07/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680281 26508575-4394 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/26/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/07/26/2018) Final CD disclosed an Appraised Property Value of $1,300,000, however the actual Property Value for the loan is $1,400,000 per Appraisal and CDA.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/26/2018 MI 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
206687608 26508575 504909390 11680282 26508575-4850 05/02/2019 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 07/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/26/2018) 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 (2019-05-09): E-consent provided. Exception cleared. 05/09/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680333 26508575-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): E-consent provided. Exception cleared. Seller Comment (2019-05-09): The E-consent has been provided. 05/09/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680334 26508575-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): E-consent provided. Exception cleared. 05/09/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680335 26508575-6542 05/02/2019 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 $480.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): E-consent provided. Exception cleared. 05/09/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680396 26508575-6542 05/02/2019 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 $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): E-consent provided. Exception cleared. 05/09/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680397 26508575-7037 05/02/2019 Compliance Compliance Federal Compliance Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.       Reviewer Comment (2019-05-16): RTC is not required in Construction Perm. Exception cleared. Seller Comment (2019-05-07): This is a Construction to Permanent product and a Right to Cancel is not required. 05/16/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680411 26508575-6543 05/02/2019 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 $711.25 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): E-consent provided. Exception cleared. 05/09/2019     1 A 07/26/2018 MI 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
206687608 26508575 504909390 11680413 26508575-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): E-consent provided. Exception cleared. 05/09/2019     1 A 07/26/2018 MI 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
206687609 26508576 504988304 11681572 26508576-24272 05/02/2019 Compliance Compliance State Compliance Alabama Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. Note late charge exceeds maximum per state.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 11/14/2018 AL Primary Refinance - Rate/Term   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206687609 26508576 504988304 11681573 26508576-7038 05/02/2019 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/11/09/2018) Loan closed on 11/14/18; closing Disclosure was not provided to Borrower(s) at least three (3) business days prior to closing.     Reviewer Comment (2019-05-07): Evidence of earlier receipt provided. Seller Comment (2019-05-07): 3 day CD dated 11/9/2018 was provided and signed by the borrower on 11/9/2018. 05/07/2019     1 A 11/14/2018 AL Primary Refinance - Rate/Term No Defined Cure C B A B C B A A Safe Harbor QM Safe Harbor QM No
206687609 26508576 504988304 11681580 26508576-6542 05/02/2019 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 $680.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7567) Insufficient cure provided at closing     Reviewer Comment (2019-05-11): Title insurance included in 10% tolerance category Reviewer Comment (2019-05-09): Per our calculations; Lenders title should be cured at $680.00. Total in the 10% category requires a current cure of $29.65. These total to $709.65. $599.65 cure already paid. $110 cure still required. The lenders title fee is a 0% tolerance issue. It was not disclosed in any LE, and was then disclosed without explanation or notification to the borrower. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-08): Disagree - The $100 Title Exam Fee cannot be totally excluded as it was disclosed to the borrower. When testing the 10% tolerance section the testing is completed using the total dollar amount disclosed to the borrower and not specifically the fees disclosed compared against what was actually charged to the borrower. The borrower was disclosed $916 on the ILE and the RLE, however charged $1,607.25 on the Final CD. The difference is the $599.65, which is why that amount of lender cure was provided to the borrower at closing. No further restitution is required to the borrower. Reviewer Comment (2019-05-07): Title - Lender's Title Insurance was not disclosed on LE and added without a COC. However, since it was paid to a provider on SSPL it is subject to 10% tolerance. See 10% tolerance exception for total amount needed to cure. Seller Comment (2019-05-07): Disagree - Total 10% aggregate of title fees disclosed totaled $916, total fees charged on the Final CD totaled $1,607.25. $916 + 10% is $1007.60 - $1607.25 = $599.65 under disclosed. Title - Lender's Title Insurance is a 10% fee. Loan failed 10% testing, however Lender Cure Credit in the amount of $599.65 was provided to the borrower at closing for the under disclosed title fees. 05/11/2019     1 A 11/14/2018 AL 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687609 26508576 504988304 11681581 26508576-7041 05/02/2019 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) 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 property state is in the 1st, 4th, 6th, or 11th circuit.) The H-8 form was used, the H-9 form should have been used. This is a Lender to Lender transaction.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 A 11/14/2018 AL 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687609 26508576 504988304 11681591 26508576-4850 05/02/2019 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 11/14/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/14/2018) Insufficient cure provided at closing     Reviewer Comment (2019-05-11): Title insurance included in 10% tolerance category 05/11/2019     1 A 11/14/2018 AL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206687609 26508576 504988304 11718133 26508576-6543 05/06/2019 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 $927.25 exceeds tolerance of $816.00 plus 10% or $897.60. Insufficient or no cure was provided to the borrower. (0) Insufficient cure provided at closing     Reviewer Comment (2019-05-11): Title insurance included in 10% tolerance category Reviewer Comment (2019-05-09): Per our calculations; Lenders title should be cured at $680.00. Total in the 10% category requires a current cure of $29.65. These total to $709.65. $599.65 cure already paid. $110 cure still required. The lenders title fee is a 0% tolerance issue. It was not disclosed in any LE, and was then disclosed without explanation or notification to the borrower. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-08): Disagree - The $100 Title Exam Fee cannot be totally excluded as it was disclosed to the borrower. When testing the 10% tolerance section the testing is completed using the total dollar amount disclosed to the borrower and not specifically the fees disclosed compared against what was actually charged to the borrower. The borrower was disclosed $916 on the ILE and the RLE, however charged $1,607.25 on the Final CD. The difference is the $599.65, which is why that amount of lender cure was provided to the borrower at closing. No further restitution is required to the borrower. Reviewer Comment (2019-05-07): Baseline LE fees include; Title - CPL $25, Title - Settlement Fee $745 and recording fees $46 = $816. Additional fee on LE for Title - Exam for $100 was not disclosed on either CD, therefore it is not included. 10% fees total $816 x 110% = $897.60 - total disclosed fees of $927.25 + $680 for Lender's Title fee paid to a provider on SSPL = $1607.25 - 897.60 = $709.65 less cure at closing of $599.65 = $110.00 additional 10% tolerance cure needed. Seller Comment (2019-05-07): Disagree - Lender Cure Credit provided in the amount of $599.65 brought the loan within tolerance. Total 10% aggregate of title fees disclosed totaled $916, total fees charged on the Final CD totaled $1,607.25. $916 + 10% is $1007.60 - $1607.25 = $599.65 under disclosed. No further restitution is required. 05/11/2019     1 A 11/14/2018 AL 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687609 26508576 504988304 11825552 26508576-18823 05/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on 11/14/2018 did not use the same fee terminology as the Loan Estimate. (Final/11/14/2018) Title fee descriptions on LE inconsistent with descriptions on final CD     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 11/14/2018 AL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206687609 26508576 504988304 11825553 26508576-6582 05/11/2019 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 $1,607.25 exceeds tolerance of $916.00 plus 10% or $1,007.60. Sufficient or excess cure was provided to the borrower at Closing. (0) 10% tolerance cured at closing         05/11/2019   1 A 11/14/2018 AL Primary Refinance - Rate/Term Final CD evidences Cure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206687609 26508576 504988304 11993865 26508576-25047 05/23/2019 Credit TRID General Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. Cash to Borrower: $2,275.09; Total Cash Out: $2,275.09; Refi Purpose: Rate/Term Borrower received cash out in the amount of $2275.09 at 85% LTV. Maximum LTV for cash out is 65%. 34.38% DTI, 766 FICO, $131K reserves 33 months) Aggregator Reviewer Comment (2019-05-24): Client elects to waive Reviewer Comment (2019-05-24): Client to review Seller Comment (2019-05-24): Minor infraction on an nonAgency loan. The loan was underwritten as a Rate/Term refinance. The borrower received incidental cash out exceeding the guideline by $275.09. We believe no additional risk, considering the loan amount of $558,000 loan and the fact that it was not the borrower's intent is to take equity out of the home. Generally this would be resolved by principal reduction however the loan is not eligible for sale to a GSE so that measure should not be necessary. Goldman to review for exception.     05/24/2019 2 B 11/14/2018 AL Primary Refinance - Rate/Term   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206687610 26508577 504988129 11689082 26508577-25507 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 1,354.08 on Final Closing Disclosure provided on 10/02/2018 not accurate. (Final/10/02/2018) Tax cert shows taxes as $304.11 a month. Hazard as $111.00. CD shows taxes as $1.84 per month.     Reviewer Comment (2019-05-07): AMC received tax cert. Exception Cleared. Seller Comment (2019-05-07): Disagree - Property Taxes is correct for a total of $22.10 for the year. See attached Tax and Escrow Disclosure. 05/07/2019     1 A 10/05/2018 TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687610 26508577 504988129 11689083 26508577-4673 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/02/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/790098) Tax cert shows taxes as $304.11 a month. Hazard as $111.00. CD shows taxes as $1.84 per month.     Reviewer Comment (2019-05-07): AMC received tax cert. Exception Cleared. Seller Comment (2019-05-07): Disagree - Property Taxes is correct for a total of $22.10 for the year. See attached Tax and Escrow Disclosure. 05/07/2019     1 A 10/05/2018 TX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687610 26508577 504988129 11689084 26508577-4612 05/03/2019 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 10/02/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/790098) Tax cert shows taxes as $304.11 a month. Hazard as $111.00. CD shows taxes as $1.84 per month.     Reviewer Comment (2019-05-07): AMC received tax cert. Exception Cleared. Seller Comment (2019-05-07): Disagree - Property Taxes is correct for a total of $22.10 for the year. See attached Tax and Escrow Disclosure. 05/07/2019     1 A 10/05/2018 TX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687610 26508577 504988129 11689095 26508577-22166 05/03/2019 Property Property - Appraisal Appraisal Data Integrity Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 09/25/2018       Reviewer Comment (2019-05-15): The current license information was provided with the appraisal. Condition is cancelled. Seller Comment (2019-05-07): Disagree: The loan closed 10/5/2018. The appraisal was completed 9/25/2018 and expires 9/30/2019. License was effective at the time the appraisal was done and when the loan closed. Please see the attached       1 A 10/05/2018 TX Primary Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687610 26508577 504988129 11721291 26508577-6583 05/06/2019 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 $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) Cure provided at closing         05/06/2019   1 A 10/05/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687610 26508577 504988129 11721292 26508577-6583 05/06/2019 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 $91.55 exceeds tolerance of $85.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Cure provided at closing         05/06/2019   1 A 10/05/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687611 26508579 504907485 11679851 26508579-2808 05/02/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-15): Approval was located in file. Condition is cancelled. Seller Comment (2019-05-09): See attached approval letter.       1 A 07/23/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687611 26508579 504907485 11689094 26508579-25677 05/03/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/23/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687611 26508579 504907485 11689096 26508579-3879 05/03/2019 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 Not provided     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687611 26508579 504907485 11689098 26508579-3988 05/03/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 07/17/2018 not received by borrower at least four (4) business days prior to closing. (Interim/07/17/2018) LE was sent to borrower on 7/17/18 and no signature or e-sign     Reviewer Comment (2019-05-21): The COC provided is wet signed by the borrower and also is acknowledging receipt of the LE dated 7/17/2018 Reviewer Comment (2019-05-21): New documents are signed Changed Circumstance for 7/17. This does not show delivery of 7/17/2018 LE. PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-20): Disagree see attached delivery document Reviewer Comment (2019-05-08): The last LE was issued on 7/17/2019, with no proof of delivery. The final CD was issued on 7/23/2019. The earliest loan should have closed would be 7/24/2019. Seller Comment (2019-05-08): E-consent attached 05/21/2019     1 A 07/23/2018 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687611 26508579 504907485 11753953 26508579-23897 05/07/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/17/2018 received on or after the date the Closing Disclosure 7/19/2018 12:00:00 AM was received. (Interim/07/17/2018) LE sent 7/17/18 and initial CD was issued on 07/19/18..     Reviewer Comment (2019-05-17): Client elects to waive Reviewer Comment (2019-05-08): Final LE issued on 7/17/2019, without proof of delivery. The initial CD was issued on 7/19/2019. The earliest the initial CD should have been issued is 7/20/2019.     05/17/2019 2 B 07/23/2018 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687612 26508580 504953182 11686529 26508580-3879 05/02/2019 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. Not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/10/2018 TX Second Home Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687612 26508580 504953182 11686572 26508580-4825 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/10/2018 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/08/10/2018) The final CD reflects 22 days of interest being collected at $1,430. The correct figure should reflect 23 days at $1,495.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/10/2018 TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687612 26508580 504953182 11686635 26508580-4613 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/10/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/08/10/2018) The hazard insurance premium reflected on the policy is $2,029 a premium due for 7 months, however the CD reflects monthly hazard amount of $270.42. Please provided declaration page with a premium for the full year of $3245.04     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/10/2018 TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687612 26508580 504953182 11721076 26508580-3831 05/06/2019 Credit Credit Miscellaneous Credit Exception:   Provide all pages of each bank statement provided.     Reviewer Comment (2019-05-15): The pages of the bank statements were provided. Condition is cleared. Seller Comment (2019-05-11): Please see all pages of the statements. The missing pages were copies of the checks. Seller Comment (2019-05-09): Please disregard the previous response Seller Comment (2019-05-09): Please see the attached LOE regarding the insurance premium. States that the premium is $34245.00 05/15/2019     1 A 08/10/2018 TX Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687612 26508580 504953182 11722101 26508580-3325 05/06/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 1518 FM 1704. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Missing lease agreement for rental property located at 1518 FM 1704.     Reviewer Comment (2019-05-16): Borrower was qualified with full payment. Lease not applicable. Issue cleared. Seller Comment (2019-05-09): Disagree: Borrower was qualified with the taxes and insurance. Lease is not required. Please see the taxes and insurance. 05/16/2019     1 A 08/10/2018 TX Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687612 26508580 504953182 11722102 26508580-3867 05/06/2019 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 other REO/rental property.     Reviewer Comment (2019-05-16): Borrower was qualified with full payment. Lease not applicable. Issue cleared. Seller Comment (2019-05-15): Disagree: Borrower qualified with taxes and insurance for the properties that are free and clear and with the entire payment for properties that have a lien. No rental income was used when qualifying the borrower. 05/16/2019     1 A 08/10/2018 TX Second Home Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687612 26508580 504953182 11754611 26508580-2842 05/07/2019 Credit Loan Package Documentation Loan File Missing Document: Hazard Insurance Policy not provided   Final CD reflects monthly escrow of $270.42, provide policy reflecting an annul amount of $3.245.04     Reviewer Comment (2019-05-16): Received documentation verifying insurance premium totaling $3245.00 per year. Seller Comment (2019-05-15): Please see the attached LOX which support the annual amount of $3245.04 05/16/2019     1 A 08/10/2018 TX Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687612 26508580 504953182 11755074 26508580-25838 05/07/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx Insurance Verification Missing insurance verification.     Reviewer Comment (2019-05-16): provided Seller Comment (2019-05-09): Disagree: Mortgage insurance is not applicable, the property is free & clear. Property insurance is not required because there is no lien. Please see the attached Borrower's Integrity Report. Using Non- Exempt. 05/16/2019     1 A 08/10/2018 TX Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687613 26508581 504935272 11689297 26508581-4371 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/03/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/03/2018) Security instrument notarized after note date.     Reviewer Comment (2019-05-06): PCCD provided correcting the closing date   05/06/2019   1 A 07/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687613 26508581 504935272 11689298 26508581-4826 05/03/2019 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 07/03/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/03/2018) The final CD does not reflect a dollar amount for exceeding the limit     Reviewer Comment (2019-05-08): Upon further review, the exception is cleared. 05/08/2019     1 A 07/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687613 26508581 504935272 11689399 26508581-4376 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/03/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/07/03/2018) Final CD reflects a Finance Charge of $518,088.26.     Reviewer Comment (2019-05-08): Upon further review, the exception is cleared. Seller Comment (2019-05-07): Disagree - The Finance Charge was disclosed as $518,371.70 and the Calculated amount is also $518,371.70, there was no difference is amounts. See Predatory Worksheet uploaded. 05/08/2019     1 A 07/10/2018 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687613 26508581 504935272 11722447 26508581-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77204) The Final CD reflects an additional fee for a wire fee that was not initially disclosed to the Borrower. The loan file is missing a sufficient change of circumstance in order to support the addition of this fee.     Reviewer Comment (2019-05-08): Upon further review, the exception is cleared. Seller Comment (2019-05-07): Disagree - The borrower shopped for the title fees and the Wire/Funding/Disbursement Fee falls under Title Services and is not subject to tolerance testing. No violation occurred. 05/08/2019     1 A 07/10/2018 CA Primary Purchase 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
206687613 26508581 504935272 11722650 26508581-2808 05/06/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-15): Approval was located in the file. Condition is cancelled. Seller Comment (2019-05-08): 5/8/2019: Please see the attached loan approval. Document was located in the file.       1 A 07/10/2018 CA Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687614 26508582 504918712 11690146 26508582-25580 05/03/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/24/2018) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687614 26508582 504918712 11690148 26508582-23897 05/03/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 08/24/2018 received on or after the date the Closing Disclosure 8/28/2018 12:00:00 AM was received. (Interim/08/24/2018) Proof of delivery not found in file     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 TX Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687614 26508582 504918712 11690222 26508582-6297 05/03/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,675.00 and disclosure timing violations. Missing e-sign consent.     Reviewer Comment (2019-05-08): AMC received E Consent dated 02/12/2013. Exception Cleared. Seller Comment (2019-05-08): 5/8 - Please see the attached e-consent 05/08/2019     1 A 08/31/2018 TX Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687614 26508582 504918712 11690224 26508582-3988 05/03/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/24/2018 not received by borrower at least four (4) business days prior to closing. (Interim/08/24/2018) Proof of delivery not found in file     Reviewer Comment (2019-05-15): AMC received required documents, exception is cleared. Seller Comment (2019-05-14): Please see the attached signed LE Seller Comment (2019-05-14): Attached please find revised LE Reviewer Comment (2019-05-10): AMC received evidence of the initial LE received, but not the revised LE issued on 8/24/18. Need evidence the revised LE was received at least 4 business prior to closing to clear. Seller Comment (2019-05-09): Please see attached document signed 4/9/18 Reviewer Comment (2019-05-08): AMC received Disclosure Tracking of the initial LE. The LE referenced is the 08/24/2018 LE. Please provide earlier receipt if available. Seller Comment (2019-05-08): 5/8 - Please see the attached doc tracking 05/15/2019     1 A 08/31/2018 TX Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687614 26508582 504918712 11690280 26508582-4613 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/29/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/08/29/2018) Homeowner's Insurance Premium section F indicates 5 months insurance as $1,502.26 and section G indicates 5 months insurance as $1,367.95.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 TX 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
206687614 26508582 504918712 11722198 26508582-25158 05/06/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Missing rate lock agreement.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687614 26508582 504918712 11722200 26508582-6583 05/06/2019 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 $650.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal fee of $650.00 exceeds tolerance of $625.00. Sufficient cure provided to the borrowers at closing.         05/06/2019   1 A 08/31/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687614 26508582 504918712 11722703 26508582-3136 05/06/2019 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. Disclosure provided on 05/01/2018. Application date is 04/07/18.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687614 26508582 504918712 11725727 26508582-4436 05/06/2019 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/08/24/2018) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687615 26508583 504944418 11686591 26508583-2808 05/02/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Missing Lender's Manual Approval with all conditions.     Reviewer Comment (2019-05-08): The Approval has been provided. Seller Comment (2019-05-08): See attached approval letter. 05/08/2019     1 A 07/19/2018 CA Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
206687615 26508583 504944418 11736649 26508583-6583 05/07/2019 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 $68.02 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Sufficient or excess cure was provided to the borrower at Closing.         05/07/2019   1 A 07/19/2018 CA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM Yes
206687616 26508584 505006927 11689197 26508584-6498 05/03/2019 Property Property - Appraisal Appraisal Reconciliation Appraisal is required to be in name of Lender Valuation Type: Appraisal / Valuation Report Date: 11/19/2018 Name on appraisal is not lender or broker.     Buyer Comment (2019-05-23): Ok to accept. Comp factors: $304K reserves (57 months), employment tenure Reviewer Comment (2019-05-23): Typically an appraisal transfer from one lender to another is provided. Client to review. Seller Comment (2019-05-23): See attached Seller Comment (2019-05-21): See above intended for Buyer Seller Comment (2019-05-21): According to the xxxx we can�t just change the Lender name on the Appraisal, this is a USPAP (xxxx), USPAP requires a new assignment if the lender/client changes. If the appraiser simply switches the lender name, they are in violation of USPAP and putting their appraisal license at risk. In order to comply with USPAP, there must be a new assignment ordered by the new lender/client. We do have the FHLMC and FNMA UCDP Submission Summary Report (SSR) showing lender name as xxxx     05/23/2019 2 B 11/26/2018 CA Primary Purchase   C B A A C B B B Safe Harbor QM Safe Harbor QM No
206687616 26508584 505006927 11689217 26508584-1048 05/03/2019 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 11/26/2018 CA Primary Purchase   C B A A C B B B Safe Harbor QM Safe Harbor QM No
206687616 26508584 505006927 11689218 26508584-3126 05/03/2019 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 11/26/2018 CA Primary Purchase   C B A A C B B B Safe Harbor QM Safe Harbor QM No
206687616 26508584 505006927 11689219 26508584-24789 05/03/2019 Compliance Compliance Federal Compliance Federal LO Compensation Dual Compensation Dodd Frank Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. Appear borrower paid a processing fee to the broker along with YSP premium being paid to the broker by the lender.     Reviewer Comment (2019-05-08): Fee was paid to an independent third party. Seller Comment (2019-05-08): 5/7/19- Disagree with finding.. Borrower paid processing fee to xxxx who is the processor on the loan and is an independent third party. See attached NMLS for both Processor and Broker. 05/08/2019     1 A 11/26/2018 CA Primary Purchase   C B A A C B B B Safe Harbor QM Safe Harbor QM No
206687616 26508584 505006927 11689231 26508584-6623 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 11/26/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/11/26/2018) Missing name of lender contact.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 11/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B B B Safe Harbor QM Safe Harbor QM Yes
206687616 26508584 505006927 11689233 26508584-4866 05/03/2019 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 11/07/18 and disclosure was provided to Borrower at closing.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 11/26/2018 CA Primary Purchase No Defined Cure C B A A C B B B Safe Harbor QM Safe Harbor QM No
206687616 26508584 505006927 11725833 26508584-18604 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 11/26/2018 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.) (Final/11/26/2018) No seller fees on borrower's CD and missing seller CD.     Reviewer Comment (2019-05-08): Received Seller CD Seller Comment (2019-05-08): See attached 05/08/2019     1 A 11/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B B B Safe Harbor QM Safe Harbor QM Yes
206687616 26508584 505006927 11774665 26508584-4826 05/08/2019 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 11/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/26/2018) Received Seller Closing disclosure reflecting Transfer Tax to County of Solano Fee of $990.00 paid by Seller.     Reviewer Comment (2019-05-08): Erroneous - Seller is responsible for the Transfer Tax of $990.00 in the county of xxxx, state of CA. 05/08/2019     1 A 11/26/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B B B Safe Harbor QM Safe Harbor QM Yes
206687616 26508584 505006927 11774666 26508584-6542 05/08/2019 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 $990.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Received Seller Closing disclosure reflecting Transfer Tax to County of Solano Fee of $990.00 paid by Seller.     Reviewer Comment (2019-05-08): Erroneous - Seller is responsible for the Transfer Tax of $990.00 in the county of xxx, state of CA. 05/08/2019     1 A 11/26/2018 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 B B Safe Harbor QM Safe Harbor QM Yes
206687616 26508584 505006927 11777403 26508584-4863 05/08/2019 Compliance Compliance Federal Compliance TRID Invalid Section A Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 11/26/2018 reflects a Paid To party other than to lender or broker for fee within Origination Charges. (Final/11/26/2018) Final CD reflects a Processing Fee paid to a Third Party. Fee is incorrectly disclosed in Section A. Fees paid to third parties for services the consumer cannot shop for are to be reflected in Section B. (Feed paid to persons other than the creditor or mortgage broker).     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 11/26/2018 CA Primary Purchase Good Faith Redisclosure C B A A C B B B Safe Harbor QM Safe Harbor QM Yes
206687616 26508584 505006927 12002854 26508584-25319 05/23/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-24): Client elects to waive     05/24/2019 2 B 11/26/2018 CA Primary Purchase   C B A A C B B B Safe Harbor QM Safe Harbor QM No
206687618 26508586 504906132 11686993 26508586-4704 05/02/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Sales Price TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/10/2018 disclosed a Sales Price that does not match Sales Price from the Summaries of Transactions Table. (Final/07/10/2018) Final CD disclosed a Sale Price of $711,151 on page one and on page 3 in the Summaries of Transactions Table disclosed $711,150.70.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 07/10/2018 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687618 26508586 504906132 11687074 26508586-6583 05/02/2019 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 Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) Binding LE did not disclose Appraisal Re-Inspection Fee of $175 disclosed on the Consumer's Final CD. Final CD disclosed a Lender Credit of $175 for increase in Closing Costs above legal limit which is sufficient to cure 0% tolerance violation.         05/02/2019   1 A 07/10/2018 CO Primary Purchase Final CD evidences Cure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687618 26508586 504906132 11721020 26508586-2808 05/06/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-08): Approval Letter was provided. Seller Comment (2019-05-07): See attached approval letter. 05/08/2019     1 A 07/10/2018 CO Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687619 26508589 505005923 11690624 26508589-23688 05/03/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The dwelling coverage is $305,000 with extended replacement cost of 25%. The coverage shortfall based on the estimated cost new is $38,205. Please provide a letter from the Insurer stating the maximum insurable amount or a replacement cost estimator from the insurer.     Reviewer Comment (2019-05-08): Received insurance company's Replacement Cost Estimator, coverage is sufficient. Seller Comment (2019-05-07): 5/7: Attached is a copy of the Replacement Cost Estimate for the subject property that supports there is sufficient dwelling coverage based on $305,000 Dwelling Coverage reflected on policy plus the 25% additional replacement cost coverage for total dwelling coverage of $381,250. 05/08/2019     1 A 12/08/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687619 26508589 505005923 11690686 26508589-929 05/03/2019 Property Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: 11/13/2018 The subject was appraised subject to the hot water heater being secured. The appraiser did not reinspect the property, however the borrowers' provided an explanation letter and photos reflecting the repairs completed. Unable to determine if this is acceptable to investor.     Reviewer Comment (2019-05-08): Lender acknowledges and reviewed documentation provided for acceptance. Seller Comment (2019-05-07): 5/7: Subject transaction is a rate/term refinance. As such, the documentation provided by the customer to confirm the repairs noted in the appraisal were complete may be deemed acceptable on a case by case basis. UW manager reviewed documentation for acceptance. 05/08/2019     1 A 12/08/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687619 26508589 505005923 11691184 26508589-3126 05/03/2019 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/08/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687619 26508589 505005923 11691550 26508589-6623 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/08/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/12/08/2018) The contact information does not reflect the lender's contact person name or contact NMLS identification.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/08/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206687619 26508589 505005923 11721297 26508589-2802 05/06/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Lender's initial 1003 was not included in the loan images.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/08/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687619 26508589 505005923 11723173 26508589-6583 05/06/2019 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 $32.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7571)           05/06/2019   1 A 12/08/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206687619 26508589 505005923 11723181 26508589-3136 05/06/2019 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 borrower's earlier receipt was not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/08/2018 CA Primary Refinance - Rate/Term   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687620 26508591 505008787 11690268 26508591-25454 05/03/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.   One Appraisal required.     Reviewer Comment (2019-05-28): Secondary product provided 05/28/2019     1 A 01/11/2019 GA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687620 26508591 505008787 11690341 26508591-4436 05/03/2019 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/11/21/2018) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/11/2019 GA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687620 26508591 505008787 11690342 26508591-25158 05/03/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/11/2019 GA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687620 26508591 505008787 11690463 26508591-4372 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/10/2019 incorrectly disclosed whether the loan contains a Demand Feature. (Final/01/10/2019) Page 4 indicates a demand feature.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 01/11/2019 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Safe Harbor QM Safe Harbor QM Yes
206687620 26508591 505008787 11725541 26508591-4866 05/06/2019 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. Borrower signed a document stating this was provided, but no date was found in file.     Reviewer Comment (2019-05-13): Client elects to waive     05/13/2019 2 B 01/11/2019 GA Primary Purchase No Defined Cure C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687620 26508591 505008787 11726358 26508591-25838 05/06/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxx Statement Proof of PITI not found in file     Reviewer Comment (2019-05-08): Incorrect address was entered. Correct mortgage statement for xxxx was provided. Seller Comment (2019-05-08): Verification of the PITI payment was documented with the Suntrust mortgage statement that reflected escrows for taxes and insurance were included in the payment. There was a typographical error on the application for the address being listed as xxxx when it is actually xxx. FraudGuard report in the file does not reflect borrower's ownership of a property at xxxx. Borrowers' drivers licenses, bank statements, income documents and tax returns all indicate borrowers' address as 3722. A search of Columbia County records reveal no such address as xxxx, with the highest number address on the street being xxxx. xxxx records also reveal the borrower's property at xxxx xxxx sold on 1/15/2019, four days after the subject transaction closed. 05/08/2019     1 A 01/11/2019 GA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687620 26508591 505008787 12041452 26508591-25319 05/28/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-28): Client Elects to Waive     05/28/2019 2 B 01/11/2019 GA Primary Purchase   C B C A B B C A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11680044 26508596-2802 05/02/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Not provided.     Reviewer Comment (2019-05-16): A lender initial application is not required as the 1003 was provided by the broker 05/16/2019     1 A 08/01/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11695777 26508596-2808 05/03/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Not provided.     Reviewer Comment (2019-05-15): Approval was located in file. Condition is cancelled. Seller Comment (2019-05-10): Please see the attached Loan approval. Document located in the file.       1 A 08/01/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11697146 26508596-25503 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 23,631.24 on Final Closing Disclosure provided on 07/31/2018 not accurate. (Final/07/31/2018) Final CD disclosed annual expenses of $23,631.24 or $1969.27/mo. The verified amounts totaled $1968.85/mo or $23,626.20 annually. Values not updated in PCCD's.     Reviewer Comment (2019-05-16): A corrected PCCD dated 5/15/2019 was provided correcting the cost year 1 estimate Seller Comment (2019-05-15): 5/15/19- Please find corrected Post Close CD, LOX and Tax Cert showing annual tax amount of $20188.23 used in calculation uploaded Reviewer Comment (2019-05-14): AMC reviewed exception. The allowable tolerance for the escrow account fields on page four of the CD is $0.02 per month of escrowed costs or $0.24 for 12 months. Total disclosed on page four of CD is $23631.24 and documentation in images indicates total should be $27186.96 ($1763 for hazard insurance, $23748.96 for property taxes per tax cert, and $1675 for HOA Dues). Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure. Seller Comment (2019-05-13): The Difference in the Amount of Estimated Property Costs over Year 1 of 23,631.24 on Final Closing Disclosure provided on 07/31/2018 is due to rounding.. The HOA fee of $1675/12 is $139.58. The amount was rounded to $140.00   05/16/2019   2 B 08/01/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687621 26508596 504908972 11697337 26508596-6623 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/31/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/07/31/2018) No lender contact information was provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/01/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687621 26508596 504908972 11697338 26508596-4866 05/03/2019 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. Disclosure acknowledging the Home Loan Toolkit was signed at closing.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/01/2018 TX Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11697339 26508596-7038 05/03/2019 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/07/26/2018) Closing Disclosure appears to have disclosed 3 days prior.     Reviewer Comment (2019-05-14): AMC received Disclosure Tracking indicating the initial CD was received 07/27. Exception Cleared. Seller Comment (2019-05-13): Initial CD was provided on 7/26/18. Borrower acknowledged receipt on 7/27/18. Loan closed on 8/1/18. See uploaded Loan Summary 05/14/2019     1 A 08/01/2018 TX Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11697340 26508596-3988 05/03/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 07/25/2018 not received by borrower at least four (4) business days prior to closing. (Interim/07/25/2018) Loan Estimate appears to have been disclosed 4 days prior.     Reviewer Comment (2019-05-14): AMC received Disclosure Tracking indicating the LE was received 07/27. Exception Cleared. Seller Comment (2019-05-13): Revised LE was provided on 7/25/18 and acknowledged by the borrower on 7/27/18. See Loan Summary uploaded 05/14/2019     1 A 08/01/2018 TX Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11697342 26508596-6542 05/03/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) No cure provided in the Final or Post Consummation CD's.     Reviewer Comment (2019-05-14): AMC reviewed COC. Exception Cleared. Seller Comment (2019-05-13): COC was approved for the addition of the $150 Final Appraisal -Re-inspection fee on 7/11/18 and LE was re-disclosed. No violation or Cure required. See Loan Summary regarding COC History uploaded 05/14/2019     1 A 08/01/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687621 26508596 504908972 11697343 26508596-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $29.04 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75204) No cure provided in the Final or Post Consummation CD's.     Reviewer Comment (2019-05-14): AMC reviewed fee. Exception Cleared. Seller Comment (2019-05-13): Disagree. All title fees are excluded from testing as the borrower shopped for title services, these fees are not subjected to TRID testing, no violation occurred. 05/14/2019     1 A 08/01/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687621 26508596 504908972 11697931 26508596-4826 05/03/2019 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 07/31/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/31/2018) No cure was disclosed where provided on p. 3 of the Final CD, however, a cure of $179.04 was required.     Reviewer Comment (2019-05-14): Tolerance exceptions are addressed. Exception Cleared. 05/14/2019     1 A 08/01/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687621 26508596 504908972 11729569 26508596-5404 05/06/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxxx Third Party Verification Third Party verification of employment is missing for Synergy Investors (K-1 < 25%).     Reviewer Comment (2019-05-16): No income was used from Synergy and therefore removed and no further documentation is needed Seller Comment (2019-05-11): Comment and document provided for incorrect exception. Please disregard the comment dated 5/11/2019 Seller Comment (2019-05-11): The loan has been paid off. Please see the attached. Seller Comment (2019-05-10): Disagree: Income from Synergy was not used for qualifying therefore third party verification is not required. 05/16/2019     1 A 08/01/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11729621 26508596-25838 05/06/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxx Statement The file did not include a mortgage statement confirming the PITI.     Reviewer Comment (2019-05-15): Payoff receipt was provided confirming paid in full. This was prior to loan close. Condition is cleared. Seller Comment (2019-05-11): The loan has been paid off. Please see the attached. 05/15/2019     1 A 08/01/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11855328 26508596-23897 05/14/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/25/2018 received on or after the date the Closing Disclosure 7/26/2018 12:00:00 AM was received. (Interim/07/25/2018) AMC received Disclosure Tracking indicating the 07/25 LE was received 07/27. The initial CD was issued on 07/26.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/01/2018 TX Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687621 26508596 504908972 11855496 26508596-6543 05/14/2019 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 $199.04 exceeds tolerance of $174.00 plus 10% or $191.40. Insufficient or no cure was provided to the borrower. (0) Title- Tax Cert Fee is not paid to SSPL.     Reviewer Comment (2019-05-14): Exception Cleared. 05/14/2019     1 A 08/01/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693272 26508599-6297 05/03/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $25,402.00 and disclosure timing violations. Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-13): AMC received required documents, exception is cleared. Seller Comment (2019-05-10): Please see the attached e-consent Reviewer Comment (2019-05-09): EConsent regraded to EV3 05/13/2019     1 A 09/21/2018 CA Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687622 26508599 504981903 11693274 26508599-4826 05/03/2019 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 09/21/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/21/2018) Final CD disclosed the dollar amount by which the Total Closing Costs exceeded the legal limit of $80.50, however, the actual amount is $25,482.50 due to disclosures signed electronically and consent to receive electronic disclosures was not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 09/21/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693276 26508599-6543 05/03/2019 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 $4,434.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693277 26508599-6542 05/03/2019 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 $61.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73133) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693278 26508599-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $995.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693280 26508599-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $795.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693281 26508599-6542 05/03/2019 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 $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693282 26508599-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7508) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693283 26508599-6542 05/03/2019 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 $180.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11693284 26508599-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $9.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11755375 26508599-6542 05/07/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7369) Missing Esign disclosure.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687622 26508599 504981903 11798576 26508599-6583 05/09/2019 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 $180.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)           05/09/2019   1 A 09/21/2018 CA Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687623 26508600 504963133 11694512 26508600-7455 05/03/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxxx/S-Corp) Borrower was Schedule C in 2016.     Reviewer Comment (2019-05-09): Borrower went from Schedule C to 1120S from 2-16 to 2017. Exception cancelled. Seller Comment (2019-05-07): The borrower's business has been in existence since 03/02/2012. The borrower merely converted the business from a Schedule C in 2016 to a S-Corp in 2017. Please note that the Employer Identification Number (EIN) ofxxxx is the same on the Schedule C, the xxxx and the K-1. CPA letterhead also supports.       1 A 08/24/2018 GA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687623 26508600 504963133 11694572 26508600-3867 05/03/2019 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. Verified per loan documents in file.     Reviewer Comment (2019-05-09): Borrower went from Schedule C to xxx from 2-16 to 2017. Exception cancelled. Seller Comment (2019-05-07): The borrower's business has been in existence since 03/02/2012. The borrower merely converted the business from a Schedule C in 2016 to a S-Corp in 2017. Please note that the Employer Identification Number (EIN) of 45-xxxx is the same on the Schedule C, the 1120S and the K-1. CPA letterhead also supports.       1 A 08/24/2018 GA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687623 26508600 504963133 11694574 26508600-4826 05/03/2019 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 08/24/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/24/2018) Calculating cash to close does not reflect the amount the total closings exceeds the legal limit.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 08/24/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687623 26508600 504963133 11694578 26508600-6543 05/03/2019 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 $92.00 exceeds tolerance of $70.00 plus 10% or $77.00. Insufficient or no cure was provided to the borrower. (0) Recording fees increased on the initial LE from $70.00 to $92.00. The fees exceeds the 10% tolerance. No cure was provided to the borrowers.     Reviewer Comment (2019-05-15): the seller paid $18.00 which is not part of the buyer paid fees which did not change Seller Comment (2019-05-14): Disagree with finding. Seller elected fees should not be included in the tolerance testing. Reviewer Comment (2019-05-09): Our client has elected to count seller paid fees. The 10% total went from $70 to $92. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-08): 5/8/2019, Disagree - The Ten Percent Tolerance was not exceeded. The Recording fees increased on the Initial LE from $70 to $74 on the Final CD which is within tolerance. The $18 is a Seller Paid Fee for Corrective Quit Claim Deed which is a Seller requirement and is non-testable. 05/15/2019     1 A 08/24/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687623 26508600 504963133 11694579 26508600-6542 05/03/2019 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 $12,810.24 exceeds tolerance of $12,240.00. Insufficient or no cure was provided to the borrower. (7200) Loan discount points fees increased from $12,240.00 on the initial LE to $12,810.24. No cure was provided to the borrowers.     Reviewer Comment (2019-05-09): Upon further review, the exception is cleared. Seller Comment (2019-05-09): Please see the attached COC 05/09/2019     1 A 08/24/2018 GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687623 26508600 504963133 11741984 26508600-23477 05/07/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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 (2019-05-08): Received signed pages of 1040's. 05/08/2019     1 A 08/24/2018 GA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687624 26508602 505039932 11755837 26508602-3879 05/07/2019 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. All information entered per documents provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 03/11/2019 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687624 26508602 505039932 11762008 26508602-4826 05/08/2019 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 03/11/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/11/2019) A cure for various 0% tolerance violation was not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 03/11/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687624 26508602 505039932 11762011 26508602-6542 05/08/2019 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 $725.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) A second appraisal was not disclosed on the binding LE, however is reflected on the final CD in the amount of $725, no cure or valid COC provided.     Reviewer Comment (2019-05-10): Upon further review, the exception is cleared. Seller Comment (2019-05-09): Disagree - Due to multiple appraisal invoices our requirements are to split the appraisal fees however the borrower was not under disclosed because they were originally disclosed $1400? No violation occurred as the borrower was disclosed $1400, however only charged $1275. 05/10/2019     1 A 03/11/2019 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
206687626 26508605 504917859 11686787 26508605-4826 05/02/2019 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 06/20/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/20/2018) Cure for zero percent tolerance fees was not provided. Valid COC not provided.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/25/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687626 26508605 504917859 11686788 26508605-3879 05/02/2019 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. Evidence of borrower's receipt of the Home Loan Toolkit was not included in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/25/2018 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687626 26508605 504917859 11686790 26508605-6542 05/02/2019 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 $80.96 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520) Cure for zero percent tolerance fees was not provided. Valid COC not provided.     Reviewer Comment (2019-05-23): AMC received PCCD, LOE, and Refund Check. Exception Cured Seller Comment (2019-05-22): Per our call please see attached Reviewer Comment (2019-05-22): Given the refund provided has no rescission impact, AMC will accept proof of mailing over actual proof of delivery. For refund checks sent by FedEx, UPS, Certified Mail, etc., proof of mailing includes copy of shipping label reflecting the package has been picked up or delivered to carrier. For refund checks sent by standard U.S. Mail, which appears to be the case here, proof of mailing includes written attestation from lender attesting to the date the refund check was placed in the mail. When received, it may be used to satisfy the proof of mailing component of the cure. Seller Comment (2019-05-20): The restitution was refunded back to the borrower in the amount of $5.96. FSB does not require proof of tracking/delivery on restitution under $20 as the delivery would cost more than the restitution. Reviewer Comment (2019-05-16): AMC received PCCD indicating cure, Refund Check, and LOE. Please provide Proof of Delivery to cure. Seller Comment (2019-05-15): Restitution documents provided LOX, Copy of Check, Corrected CD Reviewer Comment (2019-05-14): AMC received LE and SSPL for non subject loan. A cure is not found on the Final CD. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-13): Restitution provided back to the borrower in the amount of $5.96. See restitution documents provided.   05/23/2019   2 B 06/25/2018 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
206687626 26508605 504917859 11728447 26508605-4436 05/06/2019 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/05/22/2018) File does not contain any evidence of when borrower received the appraisals.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/25/2018 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687627 26508606 504957125 11689644 26508606-24188 05/03/2019 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 $924.00 on Final Closing Disclosure provided on 08/21/2018 not accurate. (Final/08/21/2018) The annual HOA is $928, not $924.     Reviewer Comment (2019-05-24): AMC received PCCD correcting non escrowed property costs and LOE. Exception Cured. Seller Comment (2019-05-23): Corrected CD and LOX has been provided. Reviewer Comment (2019-05-23): The issue is the HOA dues on appraisal are $28/mo, on Transmittal and final 1003 as $77.33/mo, as AMC will accept either 10, 11 or 12 months within our testing. The issue is the actual dollar amount for non-escrowed on page 4 which is not tying out to the monthly amount of non-escrowed costs (HOA dues). $77.33 * 10 = $773.30 $77.33 * 11 = $850.63 $77.33 * 12 = $927.96 Amount of Page 4 of CD = $924.00 ($77.00 x 12) Note that while AMC does also allow for a $0.02 tolerance (per month), that tolerance still does not get us to an acceptable value. Seller Comment (2019-05-22): Disagree - The monthly HOA amount is $77.33 x 12 = $928, however the HOA fee was rounded down to $77 when calculated. When you multiple $77 x 12 = $924. Corrected CD is not required as per the CD this is an "Estimated" cost.   05/24/2019   2 B 08/21/2018 MO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687627 26508606 504957125 11689668 26508606-7038 05/03/2019 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/08/16/2018) The initial CD was not signed or dated by the borrower and calculated received date is not at least 3 days prior to closing.     Reviewer Comment (2019-05-15): AMC received Disclosure Tracking indicating 08/16 CD was received the same day. Exception Cleared. Seller Comment (2019-05-14): Evidence of receipt of ICD has been provided. 05/15/2019     1 A 08/21/2018 MO Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687627 26508606 504957125 11689682 26508606-4866 05/03/2019 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. The Home Loan Tool Kit was not dated. The Date came from an Acknowledgement of Receipt of Disclosures in the file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/21/2018 MO Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687627 26508606 504957125 11745156 26508606-23477 05/07/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/21/2018 MO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687629 26508612 504998478 11694609 26508612-7457 05/03/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Smetek,Patrick Patrick J Smetek/Schedule C) Balance Sheet for Sole Proprietorship was not provided.     Reviewer Comment (2019-05-16): Balance sheet was in the initial file. Exception cleared. Seller Comment (2019-05-09): 5/9: Attached is documentation from the file that includes a copy of the balance sheet for borrower schedule C self-employment.       1 A 12/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687629 26508612 504998478 11694613 26508612-3126 05/03/2019 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 (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687629 26508612 504998478 11694617 26508612-24188 05/03/2019 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 $33,511.56 on Final Closing Disclosure provided on 12/31/2018 not accurate. (Final/12/31/2018) Final CD disclosed Amount of Non-Escrowed Property Costs over Year 1 of $33,511.56, however, the actual amount is $15,883.68.     Reviewer Comment (2019-05-21): AMC received PCCD correcting non escrowed property costs over 1 year and LOE. Exception Cured Seller Comment (2019-05-20): See attached PCCD Reviewer Comment (2019-05-20): AMC received PCCD reflecting non escrowed property costs of $18972.84 and HOA bill of $370/year. The calculated non escrowed property costs are $6417.50 (HOI)+$9466.13(Taxes)+$370(HOA)=$16253.63. Please provide breakdown of amount used and/or supporting documentation or corrected CD and LOE to cure. Seller Comment (2019-05-17): See attached PCD Reviewer Comment (2019-05-13): AMC reviewed exception. Non escrowed property costs consist of $6417.50 HOI and Property Taxes of $9466.13. Please provide or reference documentation supporting amount or corrected CD and LOE to cure. Seller Comment (2019-05-10): 5/9/19- Please clarify what figures were used to calculate the section total   05/21/2019   2 B 12/31/2018 TX 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
206687629 26508612 504998478 11694618 26508612-25366 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Signature Statement TILA-RESPA Integrated Disclosure � Final Closing Disclosure provided on 12/31/2018 does not contain the required signature statement. (Final/12/31/2018) Final CD does not contain the required signature statement.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/31/2018 TX 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
206687629 26508612 504998478 11694688 26508612-3867 05/03/2019 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 discrepancy is due to QM - Appendix Q Overall Fail.     Reviewer Comment (2019-05-16): YTD P&L and Balance sheet were in the initial file. Exception cleared. Seller Comment (2019-05-09): 5/9: Income documentation requested was in the file. QM status is not changed for income documentation that is not missing from the file. See attached P&L/Income statement for Sunbelt Securities Inc. and balance sheet for schedule C business that were both in the file.       1 A 12/31/2018 TX 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
206687629 26508612 504998478 11694691 26508612-5322 05/03/2019 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. CD issued on 12/28/18 does not reflect Cash to Close To and From.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/31/2018 TX Primary Refinance - Rate/Term Good Faith Redisclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687629 26508612 504998478 11694692 26508612-6623 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 12/31/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/12/31/2018) Final CD did not disclose the Lender's Contact Name and NMLS ID.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/31/2018 TX 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
206687629 26508612 504998478 11695173 26508612-4829 05/03/2019 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure � Corrected Closing Disclosure provided on 12/31/2018 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 The CD issued 12/28/2018 is not three days prior to the final CD issued 12/31/2018. There is no evidence the borrower received the pre close CD prior to 1/2/2019     Reviewer Comment (2019-05-13): AMC removed 12/28 CD from testing per attestation and Disclosure Tracking. Exception Cleared. Seller Comment (2019-05-10): 5/9/19- Disagree with finding. There was no CD generated on 12/28/18.. Only CD generated and disclosed are dated 12/17/18 and 12/31/18. See uploaded Loan Summary evidencing CD disclosure. CD in question dateed 12/28/18 was provided by title company as a means of fee verification and comparison. 05/13/2019     1 A 12/31/2018 TX Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687629 26508612 504998478 11736629 26508612-7453 05/07/2019 Compliance Compliance Federal Compliance C-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (C-Corp). (Smetek,Patrick Sunbelt Securities/C-Corp 1120) P&L for Sunbelt Securities was not provided.     Reviewer Comment (2019-05-16): YTD P&L was in the initial file. Exception cleared. Seller Comment (2019-05-09): 5/9: Attached is documentation from the file that includes a copy of the income statement, also known as a Profit & Loss statement, for Sunbelt Securities.       1 A 12/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687629 26508612 504998478 11736815 26508612-5340 05/07/2019 Compliance Compliance Federal Compliance Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. Final CD disclosed Flood Insurance monthly payment as Homeowner's Insurance, Flood Insurance is being escrowed.     Reviewer Comment (2019-05-24): Per the CD and Flood policy the monthly amount of $284.25 is included in the escrows. Seller Comment (2019-05-23): See attached servicing document confirming that flood insurance is in fact escrowed. 05/24/2019     1 A 12/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687629 26508612 504998478 11748106 26508612-4436 05/07/2019 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/12/04/2018)       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687629 26508612 504998478 11748107 26508612-6572 05/07/2019 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/12/11/2018)       Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/31/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687631 26508615 504933412 11696457 26508615-4436 05/03/2019 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/07/10/2018) The date that the appraisal was provided was not found in the file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/26/2018 MI Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687631 26508615 504933412 11696458 26508615-25366 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Signature Statement TILA-RESPA Integrated Disclosure � Final Closing Disclosure provided on 07/26/2018 does not contain the required signature statement. (Final/07/26/2018)       Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/26/2018 MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687631 26508615 504933412 11696459 26508615-4826 05/03/2019 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 07/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/26/2018) No buyer fee failures     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/26/2018 MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687631 26508615 504933412 11696811 26508615-24137 05/03/2019 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. (xxxxx/2650000) The end date for the previous employer has not been verified.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/26/2018 MI Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11701335 26508623-855 05/03/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/30/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018 Disaster post closing     Reviewer Comment (2019-05-15): Post disaster inspection report was provided. Condition is cleared. Seller Comment (2019-05-13): Please review Post Disaster Inspection uploaded 05/15/2019     1 A 07/12/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11701340 26508623-5366 05/03/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 43.76189% exceeds Guideline total debt ratio of 43.00000%. DTI on final 41.881%. Lender used income of $19,746.78 and all total monthly debts $8,270.12. Audit DTI 43.76%, Income audit used $20,060.24 and total all monthly payments $8,778.74.     Reviewer Comment (2019-05-16): Received bank statements showing Ally Bank was paid off. Exception cleared. Seller Comment (2019-05-13): Disagree: Please see the attached documentation which support the omission of liabilities paid by the business. Calculation: Liabilities $1266 (Macy's $2.00 + Logix $1264.00) + PITIA $5933.23 + Rent loss $1081.22 = Total Liabilities: $8280.45/ $19746.78= 41.93% DTI. 05/16/2019     1 A 07/12/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11702019 26508623-25158 05/03/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock agreement not provided     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/12/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11702020 26508623-5695 05/03/2019 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. DTI on final 41.881%. Lender used income of $19,746.78 and all total monthly debts $8,270.12. Audit DTI 43.76%, Income audit used $20,060.24 and total all monthly payments $8,778.74.     Reviewer Comment (2019-05-16): Received bank statements showing Ally Bank was paid off. Exception cleared. Seller Comment (2019-05-15): Disagree: Please see the attached documentation which support the omission of the liabilities paid by the business. Calculation: Total Liabilities: $1266.00 (Macy $2.00 + Logix $1264.00) + PITIA $5933.23 + Rent loss $108.22 = $ 8280.45/ Income $19746.78= 41.93%. 05/16/2019     1 A 07/12/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11702021 26508623-25034 05/03/2019 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 43.76189% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) DTI on final 41.881%. Lender used income of $19,746.78 and all total monthly debts $8,270.12. Audit DTI 43.76%, Income audit used $20,060.24 and total all monthly payments $8,778.74.     Reviewer Comment (2019-05-16): Received bank statements showing Ally Bank was paid off. Exception cleared. Seller Comment (2019-05-13): Disagree: Please see the attached documentation which support the omission of liabilities paid by the business. Calculation: Liabilities $1266 (Macy's $2.00 + Logix $1264.00) + PITIA $5933.23 + Rent loss $1081.22 = Total Liabilities: $8280.45/ $19746.78= 41.93% DTI. 05/16/2019     1 A 07/12/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11702022 26508623-3867 05/03/2019 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. DTI on final 41.881%. Lender used income of $19,746.78 and all total monthly debts $8,270.12. Audit DTI 43.76%, Income audit used $20,060.24 and total all monthly payments $8,778.74.     Reviewer Comment (2019-05-16): Received bank statements showing Ally Bank was paid off. Exception cleared. Seller Comment (2019-05-13): Disagree: Please see the attached documentation which support the omission of liabilities paid by the business. Calculation: Liabilities $1266 (Macy's $2.00 + Logix $1264.00) + PITIA $5933.23 + Rent loss $1081.22 = Total Liabilities: $8280.45/ $19746.78= 41.93% DTI. 05/16/2019     1 A 07/12/2018 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
206687633 26508623 504923305 11702023 26508623-1257 05/03/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. DTI on final 41.881%. Lender used income of $19,746.78 and all total monthly debts $8,270.12. Audit DTI 43.76%, Income audit used $20,060.24 and total all monthly payments $8,778.74.     Reviewer Comment (2019-05-16): Received bank statements showing Ally Bank was paid off. Exception cleared. Seller Comment (2019-05-13): . Disagree: Please see the attached documentation which support the omission of liabilities paid by the business. Calculation: Liabilities $1266 (Macy's $2.00 + Logix $1264.00) + PITIA $5933.23 + Rent loss $1081.22 = Total Liabilities: $8280.45/ $19746.78= 41.93% DTI. 05/16/2019     1 A 07/12/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11702034 26508623-4866 05/03/2019 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 disclosure.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/12/2018 CA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687633 26508623 504923305 11778445 26508623-4371 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/12/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/12/2018) Final CD closing date reflects 07/16/18 however borrower signed CD on 07/12/18.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687633 26508623 504923305 11778448 26508623-6345 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/12/2018 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/07/12/2018) Final CD reads on page 2 section G Initial Escrow Payment collecting 12 months. Page 4 of CD reads borrowers will not have an escrow account. First payment letter only reflects P&I.     Reviewer Comment (2019-05-24): AMC received Letter of Explanation, Proof of Delivery, Corrected CD Seller Comment (2019-05-24): Please see the attached LOE Seller Comment (2019-05-23): Corrected CD has been provided.   05/24/2019   2 B 07/12/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687633 26508623 504923305 11778449 26508623-25503 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,300.96 on Final Closing Disclosure provided on 07/12/2018 not accurate. (Final/07/12/2018) This amount is based on hazard premium of $1,176.00 and hazard policy in file reflects annual premium of $1300.00 and borrower paid a 12 month premium at closing of $1,176.00     Reviewer Comment (2019-05-23): A PCCD dated 5/22/2019 was provided correcting the HOI cost Seller Comment (2019-05-23): Corrected CD has been provided showing insurance is $1300.   05/23/2019   2 B 07/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687633 26508623 504923305 11778450 26508623-4566 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/12/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/07/12/2018) Final CD reads on page 2 section G Initial Escrow Payment collecting 12 months. Page 4 of CD reads borrowers will not have an escrow account. First payment letter only reflects P&I.     Reviewer Comment (2019-05-23): A PCCD dated 5/22/2019 has cured the initial escrow issue Seller Comment (2019-05-23): Corrected CD displaying loan "will not" have an escrow.   05/23/2019   2 B 07/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687633 26508623 504923305 11778451 26508623-4407 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/12/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/07/12/2018) Final CD reads on page 2 section G Initial Escrow Payment collecting 12 months. Page 4 of CD reads borrowers will not have an escrow account. First payment letter only reflects P&I.     Reviewer Comment (2019-05-23): A PCCD dated 5/22/2019 has cured the initial escrow issue Reviewer Comment (2019-05-22): AMC received PCCD correcting escrow section. Please provide LOE to cure. Seller Comment (2019-05-21): amount removed from Section G   05/23/2019   2 B 07/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687633 26508623 504923305 11778452 26508623-4826 05/08/2019 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 07/12/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/12/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/12/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687634 26508624 504932044 11688837 26508624-6572 05/02/2019 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/06/21/2018) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/03/2018 MI Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687634 26508624 504932044 11688839 26508624-7087 05/02/2019 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.       Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/03/2018 MI Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687634 26508624 504932044 11688853 26508624-4826 05/02/2019 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 07/03/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/03/2018) Cure not provided at closing     Reviewer Comment (2019-05-15): There are no buyer fee failures that would require this section to have a value input 05/15/2019     1 A 07/03/2018 MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687634 26508624 504932044 11688854 26508624-3879 05/02/2019 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. The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/03/2018 MI Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687634 26508624 504932044 11688857 26508624-6542 05/02/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) Fee was not disclosed on Loan Estimate.     Reviewer Comment (2019-05-15): $45.00 additional cost was paid by the seller and reported on the seller CD and does not affect the buyer paid fees. Seller Comment (2019-05-14): Disagree with finding. The Seller agreed to make the payment as indicated on the Closing Disclosure. Seller fees should not be included in the tolerance testing. Reviewer Comment (2019-05-13): The total Title - Wire Fee is $90, $45 paid by the Buyer and $45 paid by the Seller. Per deal settings selected by the client, third party/seller fees are not to be excluded for testing. If the Title-Wire fee was indicated on the purchase contract as a required Seller paid fee, an attestation for the seller paid portion of this tolerance violation will be considered, along with a refunund of $45 buyer portion as the wire fee was not disclosed on the LE. Seller Comment (2019-05-10): 5/9/18- Please clarify what $90 Wire /Funding/ Disbursement Fee is being referenced.. There is no $90 fee on any of the CDs in the file. 05/15/2019     1 A 07/03/2018 MI 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
206687635 26508626 504911098 11696699 26508626-855 05/03/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/21/2018 Disaster End Date: 04/02/2019 Disaster Name: SEVERE WINTER STORM, STRAIGHT-LINE WINDS, AND FLOODING Disaster Declaration Date: 03/21/2019       Reviewer Comment (2019-05-15): Post Disaster inspection report has been provided. Condition is cleared. Seller Comment (2019-05-09): 5/8/19- See attached Post Disaster inspection completed on 4/6/19 and is included in the doc package sent for review 05/15/2019     1 A 06/21/2018 NE Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687635 26508626 504911098 11696971 26508626-4371 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/15/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/06/15/2018) The loan transaction date is 6/19/18, the final CD reflects a closing date of 6/21/18.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/21/2018 NE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687635 26508626 504911098 11696976 26508626-4826 05/03/2019 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 06/15/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/15/2018) A cure of $7.45 is reflected which is not sufficient to cure the 0% tolerance violation for the transfer tax fee ($2,340).     Reviewer Comment (2019-05-07): Cure provided at closing 05/07/2019     1 A 06/21/2018 NE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687635 26508626 504911098 11696978 26508626-6411 05/03/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/06/15/2018) Not provided     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 06/21/2018 NE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687635 26508626 504911098 11696980 26508626-6542 05/03/2019 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 $52.45 exceeds tolerance of $45.00. Insufficient or no cure was provided to the borrower. (7520) A cure of $7.45 is reflected which is sufficient to cure the 0% tolerance violation for the credit report fee, however is insufficient to cure total 0% tolerance violations ($2,347.45).     Reviewer Comment (2019-05-07): Cure provided at closing 05/07/2019     1 A 06/21/2018 NE 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
206687635 26508626 504911098 11738028 26508626-7038 05/07/2019 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/06/15/2018) Proof of receipt not found in file     Reviewer Comment (2019-05-08): Received evidence of borrowers earlier receipt. Seller Comment (2019-05-08): Evidence of receipt of Pre-closed CD has been provided. 05/08/2019     1 A 06/21/2018 NE Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687636 26508627 504941076 11699407 26508627-6623 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/19/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/07/19/2018) Final Closing Disclosure is missing the Lender's Contact Name and NMLS ID number.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 07/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687636 26508627 504941076 11699411 26508627-6583 05/03/2019 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 $78.95 exceeds tolerance of $37.00. Sufficient or excess cure was provided to the borrower at Closing. (7571) Cure of $42.00 was disclosed on the Final Closing Disclosure, which is sufficient to cure the 0% tolerance violation of $41.95.         05/03/2019   1 A 07/19/2018 CA Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687638 26508630 504995696 11691315 26508630-4404 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/14/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/12/14/2018) Disclosure reflects TIP of 99.987%. but calculated TIP is 99.97200%, a difference of .015% which is outside of the.003% tolerance.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/14/2018 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
206687639 26508631 504897561 11699522 26508631-25503 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 35,179.10 on Final Closing Disclosure provided on 06/27/2018 not accurate. (Final/06/27/2018) Total Estimated Property Costs reflected on page 1 of Final CD in the monthly amount of $3,198.10 (instead of $38,449.20), does not match the Amount of Estimated Property Costs over Year 1 in the amount of $35,179.10 on page 4, unable to determine discrepancy.     Reviewer Comment (2019-05-22): AMC received PCCD correcting total property costs and LOE. Exception Cured. Seller Comment (2019-05-21): Please see the attached PCCD Reviewer Comment (2019-05-15): incorrect comment Reviewer Comment (2019-05-14): AMC reviewed exception. The allowable tolerance for the escrow account fields on page four of the CD is $0.02 per month of escrowed costs or $0.24 for 12 months. Total disclosed on page four of CD is $35179.10 and documentation in images indicates total should be $38449.24 ($4882.84 for hazard insurance, $26306.40 for property taxes, and $7260 for HOA Dues). Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure. Seller Comment (2019-05-14): Disagree - TILA-RESPA Integrated Disclosure - Loan Disclosures -The non escrowed costs in this section show the amount paid within the 1st year of the closing date. There are only 11 payments made within 1 year of the closing date since the first payment skips a month. The Final Closing Disclosure amount $35,179.10 for non escrowed costs is correct.   05/22/2019   2 B 06/27/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687639 26508631 504897561 11737786 26508631-6297 05/07/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $25,937.01 and disclosure timing violations. Documents are E-Signed and the E-Sign acceptance was not found in the loan file.     Reviewer Comment (2019-05-14): AMC received E Consent dated 04/12/2018. Exception Cleared. Seller Comment (2019-05-13): Please see the attached e-consent 05/14/2019     1 A 06/27/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687639 26508631 504897561 11782737 26508631-7456 05/09/2019 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 04/11/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Greenburg,Paul American Social/S-Corp) 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 (2019-05-17): Client elects to waive     05/17/2019 2 B 06/27/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687639 26508631 504897561 11783104 26508631-4264 05/09/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 13.55 is less than Guideline PITIA months reserves of 15.00. Calculated PITIA months reserves of 13.55 is less than Guideline PITIA months reserves of 15.00.     Reviewer Comment (2019-05-15): The borrower total required reserves are $81315.36 for 9 months on the subject and 6 months on the retained. Seller Comment (2019-05-10): Disagree. The borrowers have a total of $240,708.23 in verified assets. The final CD reflects cash to close of $123,401.35. This means the borrowers have $117,306.88 after closing. 9 months of PITI on the subject is $76,821.48, and 6 months on the REO is $5333.88. Total reserves required $82,155.36. There are two AMEX accounts omitted and the borrowers needed $17,867 in reserves. $82155.36 + $17,867 = $100,022.36. The borrowers have sufficient reserves. 05/15/2019     1 A 06/27/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687640 26508632 505027022 11695106 26508632-4436 05/03/2019 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/01/24/2019) The Borrower confirmed that they received a copy of the appraisal, however, the evidence of receipt was not documented in file.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 02/15/2019 MA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687640 26508632 505027022 11742617 26508632-7039 05/07/2019 Compliance Compliance Federal Compliance Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. The title commitment in file indicates the loan originated with a different Lender, however, the Right to Cancel form is reflective of a Lender to Lender refinance.     Reviewer Comment (2019-05-23): The lender provided an LOE, evidence of tracking and the new ROR. The UPS tracking shows it was delivered 5/17/2019 and no evidence the borrower canceled as of midnight 5/22/2019. Seller Comment (2019-05-22): Attached please find Right to Cancel Reviewer Comment (2019-05-15): Per our Compliance department, use of the H-9 rescission form when the H-8 is appropriate is an EV3-C level exception in all circuits. A Letter of Explanation, Proof of Delivery and Re-open Rescission on the correct model form are required to cure this exception. Seller Comment (2019-05-09): 5/8/19- In states where the courts has not ruled otherwise, form H-8 is substantially similar and protects the lender and assignee to at least the same extent as the H-9. The form used is acceptable.   05/23/2019   2 B 02/15/2019 MA 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 Safe Harbor QM Safe Harbor QM Yes
206687640 26508632 505027022 12002814 26508632-25319 05/23/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-24): Client elects to waive     05/24/2019 2 B 02/15/2019 MA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687641 26508634 504963473 11738654 26508634-23477 05/07/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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. Signed 2017 1040's not found in file.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 12/13/2018 UT Primary Refinance - Rate/Term   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687642 26508637 504921469 11698833 26508637-25579 05/03/2019 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/06/21/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/02/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687642 26508637 504921469 11698962 26508637-4850 05/03/2019 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 07/02/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/02/2018) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/02/2018 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
206687642 26508637 504921469 11698963 26508637-6295 05/03/2019 Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act � Loan Estimate provided on 05/18/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to $8,225.00. (Initial/05/18/2018) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-24): AMC received required documents, exception is cleared. Seller Comment (2019-05-23): E-consent has been provided. Reviewer Comment (2019-05-13): Regraded to EV3-C 05/24/2019     1 A 07/02/2018 CA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687642 26508637 504921469 11698964 26508637-6543 05/03/2019 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 $225.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698965 26508637-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698966 26508637-6542 05/03/2019 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 $5,338.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698967 26508637-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698968 26508637-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7396) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698969 26508637-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-24): AMC received required documents, exception is cleared. Seller Comment (2019-05-23): E-consent has been provided. 05/24/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698970 26508637-6542 05/03/2019 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 $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698971 26508637-6542 05/03/2019 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 $91.86 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 11698972 26508637-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $12.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Missing E-consent dated 5/18/2018.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 07/02/2018 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
206687642 26508637 504921469 12023287 26508637-6583 05/24/2019 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 Desk Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7505) Cured at closing.         05/24/2019   1 A 07/02/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687642 26508637 504921469 12023288 26508637-6583 05/24/2019 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 $91.86 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Cured at closing.         05/24/2019   1 A 07/02/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687643 26508638 504975615 11701225 26508638-6542 05/03/2019 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 $850.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) Zero Percent Fee Tolerance exceeded for Survey Fee. A Fee Amount of $850.00 was charged on the final CD and exceeds tolerance of $0.00. A fee of only $500 was reported on the initial LE. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-17): AMC reviewed exception. The Survey Fee was disclosed on the LE and provided by a chosen provider. Exception Cleared. Seller Comment (2019-05-16): Disagree with finding. The property is located in Florida so a survey is required. The borrower shopped for the service so the zero tolerance does not apply. 05/17/2019     1 A 09/27/2018 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
206687643 26508638 504975615 11701254 26508638-3879 05/03/2019 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. Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/27/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687643 26508638 504975615 11701294 26508638-4826 05/03/2019 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 09/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/27/2018) Calculating Cash to Close: Final Closing Disclosure provided on 09/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit based on the excessive survey and search fees charged to the borrower.     Reviewer Comment (2019-05-13): Client elects to waive.     05/13/2019 2 B 09/27/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687643 26508638 504975615 11743912 26508638-25838 05/07/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx Statement Proof of PITI not found in file.     Reviewer Comment (2019-05-15): Mortgage statement was provided. Condition is cleared. Seller Comment (2019-05-09): Please see the attached statement which reflects the escrows included in the PITIA. 05/15/2019     1 A 09/27/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687643 26508638 504975615 11925838 26508638-25319 05/17/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 09/27/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11700011 26508639-1034 05/03/2019 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. (Iglesias,Maria Burgers & Shakes, Inc/S-Corp) The file did not include a YTD P&L statement. resulting in the significant decline in income.     Reviewer Comment (2019-05-16): Received complete P & L. Seller Comment (2019-05-10): See attached Profit and Loss Statement for Burgers & Shakes, Inc. 05/16/2019     1 A 11/29/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11700015 26508639-25677 05/03/2019 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 disclosure signed at closing did not reflect any Affiliates being used in the transaction.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 11/29/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11700039 26508639-3867 05/03/2019 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. The file does not meet ATR requirements due to missing income documentation related to both borrower's self employment income. Borrower 1: (Missing pages of P&L for George's; Missing 2016 k-1, YTD P&L/Balance Sheet for Burgers & Shakes II and missing YTD P&L / Balance Sheet and Third Party Verification of business for Schedule C consulting business. Borrower 2: Missing Third Party Verification of business, YTD P&L / Balance Sheet for Flia and Benelil; missing 2016 K-1 for Flia and 2017 K-1 for Benelil.     Reviewer Comment (2019-05-16): Received complete P & L. Seller Comment (2019-05-10): If the borrower has self-employment income and/or zero income reported, and it is not needed to qualify, it is not required to obtain the P&L and balance sheet. Flia Investments, Benelil Inc, and Schedule C Consulting business had zero income reported. See attached Profit and Loss Statement for George's Italian Restaurant and Burgers & Shakes. 05/16/2019     1 A 11/29/2018 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
206687644 26508639 505002834 11700040 26508639-4826 05/03/2019 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 11/29/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/29/2018) The Final CD disclosed a Cure of $0.44, however, the total cure due was $1446.63. ($485 increase in Loan Origination fee; addition of Document Translation Fee ($752.63), Title Search ($200) and Recording Service fee ($9).     Reviewer Comment (2019-05-13): 0% and 10% exceptions have been cleared 05/13/2019     1 A 11/29/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687644 26508639 505002834 11700041 26508639-3879 05/03/2019 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. Missing.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 11/29/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11700042 26508639-6542 05/03/2019 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 $9.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75197) Insufficient cure provided.     Reviewer Comment (2019-05-13): Fee subject to 10% Seller Comment (2019-05-10): Disagree - Title fees are not treated as 0% unless the fees are disclosed on the LE as "Fees Cannot Shop For" or if the fees are paid to an affiliate. Title fees can be added to the total 10% aggregate fees, if the fees exceed the total 10% aggregate initially disclosed to the borrower then restitution is provided back to the borrower, but the fees are tested as 10% and should not be treated as 0%. No restitution is required. 05/13/2019     1 A 11/29/2018 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
206687644 26508639 505002834 11700044 26508639-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Abstract / Title Search. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7754) Insufficient cure provided.     Reviewer Comment (2019-05-13): $200 Fee is Seller Fee Seller Comment (2019-05-10): Disagree - Title fees are not treated as 0% unless the fees are disclosed on the LE as "Fees Cannot Shop For" or if the fees are paid to an affiliate. Title fees can be added to the total 10% aggregate fees, if the fees exceed the total 10% aggregate initially disclosed to the borrower then restitution is provided back to the borrower, but the fees are tested as 10% and should not be treated as 0%. No restitution is required. 05/13/2019     1 A 11/29/2018 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
206687644 26508639 505002834 11763977 26508639-4204 05/08/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing income documentation     Reviewer Comment (2019-05-16): Received complete P & L. 05/16/2019     1 A 11/29/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11764115 26508639-6542 05/08/2019 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 $8,960.00 exceeds tolerance of $8,475.00. Insufficient or no cure was provided to the borrower. (7325) The Final CD reflects an increased Origination fee. The CoC in the loan file does not reflects a dollar amount for the increased fee. Charges reflects as $0.00 per the CoC.     Reviewer Comment (2019-05-13): COC - Loan Amount increase 05/13/2019     1 A 11/29/2018 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
206687644 26508639 505002834 11764288 26508639-5404 05/08/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx P&L Statement       Reviewer Comment (2019-05-22): Provided Seller Comment (2019-05-22): See attached all pages of the Profit and Loss Statement for xxxxx. Reviewer Comment (2019-05-16): Please provide complete copy of P & L. Only 1st page is evidenced in loan file. 05/22/2019     1 A 11/29/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11797408 26508639-23083 05/09/2019 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. (xxxx/2655061) Third Party verification of employment not provided for businesses owned by borrowers.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 11/29/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11797428 26508639-25521 05/09/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - S-Corp Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status using reasonably reliable third-party records. (xxxx/S-Corp) The file is missing a complete YTD P&L.     Reviewer Comment (2019-05-16): Received complete P & L. Seller Comment (2019-05-10): 5/10 - See attached Profit and Loss Statement for xxxx Seller Comment (2019-05-10): See attached Profit and Loss Statement for xxxx. 05/16/2019     1 A 11/29/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687644 26508639 505002834 11797459 26508639-25838 05/09/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx Address: xxxxx Lease Agreement HOA Verification A Verification of HOA fees was not provided for 401 69th Street.     Reviewer Comment (2019-05-16): Received verification of HOA. Seller Comment (2019-05-10): See attached HOA dues documentation for 401 69th Street. Tax bill and Ownership and Encumbrance Report also provided to document owned free and clear. Per borrower's letter of explanation they do not carry insurance on either condo. 05/16/2019     1 A 11/29/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687645 26508640 504981943 11699109 26508640-3879 05/03/2019 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. Evidence of the Home Loan Toolkit disclosure is not included in the file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/19/2018 TX Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687646 26508642 504940969 11717661 26508642-7038 05/06/2019 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/07/31/2018) The initial CD is dated 7/31/18 and was not received by the borrower at least 3 business days prior to closing.     Reviewer Comment (2019-05-13): AMC received Disclosure Tracking indicating the 07/31 CD was received the same day. Exception Cleared. Seller Comment (2019-05-10): 5/9/19- Disagree with finding.. Initial CD was sent vial electronic delivery and acknowledged by the borrower on 7/31/2018.. See Loan Summary uploaded to evidence acknowledgement. 05/13/2019     1 A 08/03/2018 CA Primary Refinance - Rate/Term No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687649 26508647 504735438 11720369 26508647-6542 05/06/2019 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 $95.52 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520) Credit Report fee was disclosed on Loan Estimate at $75, but increased to $95.52 on final Closing Disclosure. However, sufficient cure of $20.52 was disclosed.     Reviewer Comment (2019-05-09): Cure provide at closing.   05/09/2019   2 B 07/31/2017 TX 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
206687650 26508653 504999879 11701271 26508653-6297 05/03/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $6,808.70 and disclosure timing violations. Missing Disclosure.     Reviewer Comment (2019-05-14): AMC received E Consent dated 10/18/2018. Exception Cleared. Seller Comment (2019-05-13): Please see the attached e-consent 05/14/2019     1 A 12/27/2018 TX Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687650 26508653 504999879 11793758 26508653-3879 05/09/2019 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. Missing disclosure     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 12/27/2018 TX Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687651 26508654 504924694 11719805 26508654-1330 05/06/2019 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing Unable to determine Homeownership Counseling List was provided due to missing information. Missing dates on Homeownership Counseling List.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/16/2018 CA Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687651 26508654 504924694 11719880 26508654-6411 05/06/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/07/17/2018) The seller CD was missing from the file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/16/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687651 26508654 504924694 11741335 26508654-6297 05/07/2019 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. No date is provided on e-sign consent disclosure.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/16/2018 CA Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687653 26508656 505038496 11699417 26508656-2905 05/03/2019 Credit Loan Package Documentation Application / Processing Missing Document: Verification of Identification not provided   The loan file does not contain results from the Social Security Number Verification (Doc. #3257) for either borrower.     Reviewer Comment (2019-05-15): Social Security Number Verification was confirmed for both borrowers by the Equifax Verification Services documentation located in the file. Condition is cancelled. Seller Comment (2019-05-10): Disagree. See attached Identity Authentification Report from Equifax Verification Services for each borrower.       1 A 02/27/2019 CO Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687653 26508656 505038496 11701401 26508656-929 05/03/2019 Property Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: 02/12/2019       Reviewer Comment (2019-05-15): 1004D/442 was provided. Condition is cleared. Seller Comment (2019-05-09): Please see the attached 1004D 05/15/2019     1 A 02/27/2019 CO Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687653 26508656 505038496 11701813 26508656-6572 05/03/2019 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/02/12/2019)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 02/27/2019 CO Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687653 26508656 505038496 11721168 26508656-6297 05/06/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $5,348.69 and disclosure timing violations. An e-Sign agreement was not located in the file. The initial LE reflects an electronic signature.     Reviewer Comment (2019-05-09): Lender provided econsent within the trailing documetns Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 02/27/2019 CO Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687653 26508656 505038496 11721169 26508656-3879 05/06/2019 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. Your Home Loan Toolkit Disclosure was not provided in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 02/27/2019 CO Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687653 26508656 505038496 11721170 26508656-6543 05/06/2019 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 $1,321.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Cure for 10% tolerance violation ($1321.00) was not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 02/27/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11721171 26508656-6542 05/06/2019 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 $2,862.05 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Cure for Loan Discount Points of $2862.05 was not provided.     Reviewer Comment (2019-05-16): AMC received 01/11 COC. Exception Cleared. Seller Comment (2019-05-15): Please see the attached COC Reviewer Comment (2019-05-10): The fee was not disclosed on disclosed on the initial CD, and no change circumstance was located in the loan file that would account for the fee increase from $0. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-09): Please see the attached e-consent 05/16/2019     1 A 02/27/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11721172 26508656-6542 05/06/2019 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 $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Cure for Appraisal fee of $600.00 was not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 02/27/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11721173 26508656-6542 05/06/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Cure for Appraisal Re-Inspection Fee of $150.00 was not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 02/27/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11721174 26508656-6542 05/06/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75174) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Cure for Survey Fee of $150.00 was not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations Seller Comment (2019-05-09): Please see the attached e-consent 05/09/2019     1 A 02/27/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11721175 26508656-6542 05/06/2019 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 $168.00 exceeds tolerance of $95.00. Insufficient or no cure was provided to the borrower. (7520) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Cure for Credit Report Fee of $168.00 was not provided.     Reviewer Comment (2019-05-14): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided. Seller Comment (2019-05-13): Disagree - The Credit Report was disclosed to the borrower on the ILE at $95, the fee increase on the CD to $168, restitution was provided back to the borrower in the amount of $73, which made the borrower whole. Reviewer Comment (2019-05-11): Updated from: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $168.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Reviewer Comment (2019-05-10): The fee increased without explanation on 2/21/2019. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-09): Please see the attached e-consent   05/14/2019   2 B 02/27/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11721176 26508656-6542 05/06/2019 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 $97.64 exceeds tolerance of $92.00. Insufficient or no cure was provided to the borrower. (8304) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Cure for Transfer Tax fee of $97.64 was not provided.     Reviewer Comment (2019-05-16): AMC received 01/11 COC. Exception Cleared. Seller Comment (2019-05-15): Please see the attached COC Reviewer Comment (2019-05-11): Updated from: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $97.64 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Reviewer Comment (2019-05-10): The fee increased without explanation on 1/14. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-09): Please see the attached e-consent 05/16/2019     1 A 02/27/2019 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 C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11721467 26508656-4826 05/06/2019 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 02/26/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/26/2019) Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $5,348.69.     Reviewer Comment (2019-05-16): Tolerance exceptions have been addressed. Exception Cured.   05/16/2019   2 B 02/27/2019 CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206687653 26508656 505038496 11898554 26508656-6545 05/16/2019 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 $168.00 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower. (7520) A cure was provided on a prior PCCD. Exception Cured.     Reviewer Comment (2019-05-16): AMC received PCCD indicating cure, LOE, Refund Check, and Proof of Delivery. Exception Cured.   05/16/2019   2 B 02/27/2019 CO Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206687654 26508657 504894175 11722173 26508657-7457 05/06/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C) File is missing one or more of the following documents is missing: Most recent YTD quarterly P&L Statement (if 1040s are > 90 days old at application); Balance Sheet     Reviewer Comment (2019-05-16): Received YTD Balance Sheet. Exception cleared. Seller Comment (2019-05-09): See attached Profit & Loss Statement and Balance Sheet. 05/16/2019     1 A 06/28/2018 FL Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687654 26508657 504894175 11722507 26508657-3867 05/06/2019 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. failure due to income     Reviewer Comment (2019-05-16): Received YTD Balance Sheet. Exception cleared. Seller Comment (2019-05-09): See attached Profit & Loss Statement and Balance Sheet. 05/16/2019     1 A 06/28/2018 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
206687656 26508662 504913971 11732769 26508662-4204 05/06/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Both borrowers changed employment types within the last 2 years, however, the field of employment did not change. Borrower 1 is a xxx and changed from xxxxx in 2016. Borrower 2 is a physician and changed from wage-based employment to a partnership (< 25%). Per 1040s and WVOE (B2) income is consistent over the past 2 years.     Reviewer Comment (2019-05-16): Not using income to qualify. Exception cleared. 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11732770 26508662-3867 05/06/2019 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. Safe Harbor QM is the expected result.     Reviewer Comment (2019-05-16): SHQM Loan Seller Comment (2019-05-09): See attached responses to income exceptions, along with the xxxx Compliance Test Results. 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B B A C B A A Safe Harbor QM Safe Harbor QM Yes
206687656 26508662 504913971 11747547 26508662-23923 05/07/2019 Credit Insurance Insurance Analysis Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.         Reviewer Comment (2019-05-22): Provided Seller Comment (2019-05-21): See attached 05/22/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748050 26508662-1003 05/07/2019 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 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent) 2 years' K-1s, 2 years' signed/dated 1040s, and 2 years' tax transcripts provided. Borrower is a physician and changed from wage-based employment to a partnership (< 25%). Per 1040s and WVOE income is consistent over the past 2 years.     Reviewer Comment (2019-05-16): Not using income to qualify. Exception cleared. Seller Comment (2019-05-09): The Underwriter did not use any income from the co-borrower to qualify. The Underwriter subtracted the the loss for the co-borrower from the primary borrower's qualifying income. See attached 1008 Transmittal reflecting the -$5.92 "other income" loss. Documents uploaded to Loan Exception ID xxxx 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748051 26508662-1003 05/07/2019 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 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent) Partnership established in 2017. Entered to include partnership loss in income calculations.     Reviewer Comment (2019-05-16): <25% ownership Seller Comment (2019-05-09): The K-1 reflects beginning 08/14/2017 and ending 12/31/2017. The borrower had no affiliation with xxxx prior to 08/14/2017. The borrower has only 10% ownership interest and is therefore not considered self-employed. The borrower would not have a 1065 Partnership return. The Underwriter counted the -$5.92 loss against the borrower. No further documentation should be required. Documents uploaded to Loan Exception ID 11732770 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748052 26508662-1003 05/07/2019 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 25% Ownership) income. xxxxx/Schedule K-1 less than 25 Percent) Partnership established in 2017. Entered to include partnership loss in income calculations.     Reviewer Comment (2019-05-16): <25% ownership Seller Comment (2019-05-09): The borrower had zero ownership interest in xxxx prior to 2017. This is evidenced by the 0% reflected for the "Beginning" in section J of the K-1. The borrower has less than 25% ownership interest and is therefore not considered self-employed. The borrower would not have a 1065 Partnership return. The Underwriter counted the -$101.75 loss against the borrower. No further documentation should be required. Documents uploaded to Loan Exception ID 11732770 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748055 26508662-1003 05/07/2019 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 25% Ownership) income. (xxxxx/Schedule K-1 less than 25 Percent) Partnership established in 2017. Entered to include partnership loss in income calculations.     Reviewer Comment (2019-05-16): <25% ownership Seller Comment (2019-05-09): The Underwriter subtracted the the loss for the co-borrower from the primary borrower's qualifying income. See attached 1008 Transmittal reflecting the -$5.92 "other income" loss. Documents uploaded to Loan Exception ID xxxx 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748058 26508662-1004 05/07/2019 Compliance Compliance Federal Compliance K-1 Justification Qualified Mortgage (Dodd-Frank 2014): K-1 (Less than 25% Ownership) income earned for less than two (2) years is not allowed. (xxxx/Schedule K-1 less than 25 Percent) Borrower 2 is a physician and changed from wage-based employment to a partnership (< 25%). Per 1040s and WVOE (B2) income is consistent over the past 2 years.     Reviewer Comment (2019-05-16): Not using income to qualify. Exception cleared. Seller Comment (2019-05-09): The Underwriter did not use any income from the co-borrower to qualify. See attached 1008 Transmittal. Documents uploaded to Loan Exception ID xxxx 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748067 26508662-1223 05/07/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxxx/Schedule K-1 less than 25 Percent) VVOE and copy of Operating Agreement provided. Percentage of ownership in partnership is not documented. K-1 reflects 'Various'.     Reviewer Comment (2019-05-16): Not using income to qualify. Exception cleared. Seller Comment (2019-05-09): 5/9 - The Underwriter did not use any income from the co-borrower to qualify. See attached 1008 Transmittal. Documents uploaded to Loan Exception ID xxxx 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748068 26508662-1231 05/07/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (xxxxx/Schedule K-1 less than 25 Percent) VVOE and copy of Operating Agreement provided. Percentage of ownership in partnership is not documented. K-1 reflects 'Various'.     Reviewer Comment (2019-05-16): Not using income to qualify. Exception cleared. Seller Comment (2019-05-09): The Underwriter did not use any income from the co-borrower to qualify. See attached 1008 Transmittal. Documents uploaded to Loan Exception ID xxxx 05/16/2019     1 A 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11748069 26508662-5787 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Late Payment Test TILA-RESPA Integrated Disclosure- Loan Disclosures: Final Closing Disclosure provided on 06/26/2018 did not disclose the terms of the Late Payment. (Final/06/26/2018) Field is blank on the consumer's final CD. This issue is corrected on the post-closing CD issued on 08/07/2018.     Reviewer Comment (2019-05-07): PCCD corrected the late payment verbiage   05/07/2019   2 B 06/29/2018 TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B B A C B A A Safe Harbor QM Safe Harbor QM Yes
206687656 26508662 504913971 11756813 26508662-3495 05/07/2019 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/07/18/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/29/2018 TX Primary Refinance - Rate/Term   C B B A C B A A Safe Harbor QM Safe Harbor QM No
206687656 26508662 504913971 11756823 26508662-7042 05/07/2019 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. Per the CD and note the same lender is being paid off and the incorrect ROR form was used.     Reviewer Comment (2019-05-22): Client elects to waive.     05/22/2019 2 B 06/29/2018 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 B A C B A A Safe Harbor QM Safe Harbor QM Yes
206687657 26508663 504930763 11702880 26508663-4702 05/03/2019 Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: xxxxx/ End Date: 06/27/2018 // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx Statement in file is dated 06/26/18. Only provide one statement.     Reviewer Comment (2019-05-16): The statement was provided to only show the withdrawal for funds to close deposited to other accounts. Seller Comment (2019-05-13): Disagree: Please see the attached documentation. The funds were transferred toxxxx from xxxwhich is dated 1/1-6/26/2018. The 2 months of statements are not required due to the transfer of funds can be documented with the Fidelity statement as well as the Northwestern Mutual statement. The documentation provided should be acceptable to support the funds used to close. 05/16/2019     1 A 07/10/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687657 26508663 504930763 11702949 26508663-25158 05/03/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/10/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687657 26508663 504930763 11702951 26508663-24188 05/03/2019 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 $12,951.96 on Final Closing Disclosure provided on 07/10/2018 not accurate. (Final/07/10/2018) HOA appraisal reads $1279.00 and lender used $1079.30.     Reviewer Comment (2019-05-15): AMC received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2019-05-14): Please see the attached PCCD   05/15/2019   2 B 07/10/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687657 26508663 504930763 11702958 26508663-3867 05/03/2019 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 2017 P&L shows a only a profit without any expenses.     Reviewer Comment (2019-05-16): Removing the 2017 P&L income and provided was 2018 P&L and balance sheet, the removal of 2017 higher figures were are inflated from assets. Seller Comment (2019-05-15): Disagree: Guidelines require most recent 2 years and the YTD P & L. The 2017 P & L was not required due to P & L ending 3/31/2018 was provided along with 2017 Extension and Tax Returns. The income statement provided is consistent with the income generated in 2016. Please see the attached income statement and guidelines 05/16/2019     1 A 07/10/2018 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
206687657 26508663 504930763 11702965 26508663-6411 05/03/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/07/10/2018) No Seller CD in file     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/10/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687657 26508663 504930763 11798770 26508663-1037 05/09/2019 Compliance Compliance Federal Compliance Self Employed YTD Qualified Mortgage (Dodd-Frank 2014): Self-employed qualifying income reflects a declining earnings trend. (Brunton,Christopher American Producers Supply Co Inc/S-Corp) YTD P&L provided reflects $13,169,002.00 as of 12/31/17 without any expense deduction.     Reviewer Comment (2019-05-16): Removing the 2017 P&L income and provided was 2018 P&L and balance sheet, the removal of 2017 higher figures were are inflated from assets. Seller Comment (2019-05-13): Disagree: Guidelines require most recent 2 years and the YTD P &L. The 2017 P & L was not required. Extension for 2017, and 2016 & 2015 Tax Returns were provided. Income Statement was provided for the period ending 3/31/2018. The income statement provided is consistent with the income generated for 2016. Please see the attached Income statement and Guidelines. 05/16/2019     1 A 07/10/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687657 26508663 504930763 11798771 26508663-7456 05/09/2019 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 06/07/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) 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 (2019-05-17): Client elects to waive Reviewer Comment (2019-05-16): Please provide evidence of the business extension for 2017 Seller Comment (2019-05-13): Disagree: Guidelines require most recent 2 years and the YTD P &L. The 2017 P & L was not required. Extension for 2017, and 2016 & 2015 Tax Returns were provided. Income Statement was provided for the period ending 3/31/2018. The income statement provided is consistent with the income generated for 2016. Please see the attached Income statement and Guidelines.     05/17/2019 2 B 07/10/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687657 26508663 504930763 11798772 26508663-20305 05/09/2019 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 06/07/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) 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 (2019-05-16): Removing the 2017 P&L income and provided was 2018 P&L and balance sheet, the removal of 2017 higher figures were are inflated from assets. 05/16/2019     1 A 07/10/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687657 26508663 504930763 11799492 26508663-4264 05/09/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 23.58 is less than Guideline PITIA months reserves of 30.00. Short reserves by 6.42 months.     Reviewer Comment (2019-05-16): borrower is not short reserves Seller Comment (2019-05-13): Disagree: Borrower has sufficient assets to cover the required reserves. Available assets $857347.39. Required cash to close: $519814.37. Chase business account #0726 ($155826.06) can be used toward borrower's required cash to close. Calculation: Available assets after required closing cost $337533.02 - Required Reserves $244094.88 (12 months for the purchase of primary + 6 for departure & 2 additional financed properties. Did not include property 333 Washington Ave.(commercial property)= $26554.26. Per Jumbo Guidelines- All Guidelines not address in our guidelines- the u/w must follow Fannie Mae. Per Fannie Mae Guidelines commercial properties are not required to be included. Please see the attached Guidelines and Documentation. 05/16/2019     1 A 07/10/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687658 26508664 504967305 11701089 26508664-6297 05/03/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $11,165.50 and disclosure timing violations. The E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-10): AMC received E Consent dated 08/14/2018. Exception Cleared. Seller Comment (2019-05-10): 5/10 - Please see the attached e-consent Reviewer Comment (2019-05-09): EConsent regraded to EV3 05/10/2019     1 A 10/05/2018 FL Second Home Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687658 26508664 504967305 11701105 26508664-4826 05/03/2019 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 10/05/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/05/2018) The "Exceeds legal limits by" section was left blank on the final Closing Disclosure.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/05/2018 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
206687658 26508664 504967305 11701537 26508664-6543 05/03/2019 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 $215.50 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) The Loan Estimate was signed electronically, but an E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11701538 26508664-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,195.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) The Loan Estimate was signed electronically, but an E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11701539 26508664-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) The Processing Fee amount did not change. The Loan Estimate was signed electronically, but an E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11701540 26508664-6542 05/03/2019 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 $450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) The Appraisal Fee was initially $600. The Loan Estimate was signed electronically, but an E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11701541 26508664-6542 05/03/2019 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 $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) The Credit Report Fee amount did not change. The Loan Estimate was signed electronically, but an E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11701542 26508664-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) The Flood Cert fee was initially $12. The Loan Estimate was signed electronically, but an E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11701549 26508664-6542 05/03/2019 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 $8,670.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) The Loan Estimate was signed electronically, but an E-Sign Consent Disclosure was not provided in the file.     Reviewer Comment (2019-05-10): AMC reviewed exception. The Purchase Agreement indicates seller to pay transfer taxes. Exception Cleared. Seller Comment (2019-05-10): Please see the attached e-consent 05/10/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11746725 26508664-6542 05/07/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) .     Reviewer Comment (2019-05-10): AMC reviewed exception. Fee was paid to chosen provider. Exception Cleared. Seller Comment (2019-05-09): Disagree - All title fees are excluded from testing as the borrower shopped for title services, the title fees are not subjected to TRID testing, no violation occurred. 05/10/2019     1 A 10/05/2018 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
206687658 26508664 504967305 11777900 26508664-5404 05/08/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx Borrower xxxxx Tax Return Extension (2018) Paystubs YTD pay stub up through and including the most current pay period at the time of application is required for Borrowers who are employed by a family member, per Jumbo Express guidelines. The paystubs in file were not within the time frame.     Reviewer Comment (2019-05-16): We had the most recent paystub dated 07/31/18 in the initial file. Exception cancelled. Seller Comment (2019-05-10): Disagree. The co-borrower is paid once monthly. The most recent paystub in the file is dated 07/31/2018. The initial application was dated 08/14/2018. Therefore the paystub for the most current pay period at time of application was present in the file. Tax return extension is not required. The most recent tax year at time of closing was 2017. The borrowers would not be required to file a tax return for 2018 until April of 2019. The loan closed 10/05/2018. The loan file contained a Profit & Loss Statement and Balance Sheet through 09/30/2018.       1 A 10/05/2018 FL Second Home Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687659 26508665 504944673 11702190 26508665-7115 05/03/2019 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 Disclosure reflected an initial total deposit of $4594.51, but the Final CD reflected an initial deposit of $4385.19. The Initial Escrow Account Disclosure reflects a monthly escrow payment of $698.33, however, the Final CD reflects $750.66. The Insurance amount of $922 ($76.84/mo) per the HOI Invoice does not match the Prepaid Insurance of $1620 ($135/mo) used in the Final CD. Additionally, the Lender used the current assessed value to determine monthly real estate taxes ($615.66/mo) vs. the Estimated taxes of $1125/mo (based on 1.25% of the Purchase Price).     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/27/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687659 26508665 504944673 11702192 26508665-25507 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 9,007.92 on Final Closing Disclosure provided on 07/23/2018 not accurate. (Final/07/23/2018) The Final CD reflects a 12 month total of escrow payments of $9007.92, however, the actual total based on the monthly escrow payment on p.1 of $698.33 would be $8379.96. The Final CD reflected an incorrect total for HOI and used a Real Estate tax escrow which is not based on the new tax assessed value. The HOI amount was corrected in a Post Consummation CD; the Tax Escrow was not changed.     Reviewer Comment (2019-05-13): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-10): As stated in the Exception Information this was corrected on the PCCD dated 7/27/2018. Tax Cert has been provided. 05/13/2019     1 A 07/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687659 26508665 504944673 11702193 26508665-4673 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/23/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/792017) The Escrow Payment of $750.66 does not match the documented total of $698.33 due to an error in the HOI monthly escrow. The error was fixed in the Post Consummation CD issued on 7/27/18. The Estimated Escrow is based on the old assessed value and not 1.25% of the Purchase Price, which would result in a total escrow payment of $1201.83.     Reviewer Comment (2019-05-13): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-10): This was corrected on the CD dated 7/27/2018. 05/13/2019     1 A 07/27/2018 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
206687659 26508665 504944673 11702194 26508665-4612 05/03/2019 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 07/23/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/792017) The total monthly payment of $5128.42 is based on an estimated escrow of $750.66, which included an incorrect monthly amount for Homeowners. A Post Consummation CD was issued which corrected the monthly escrow to $698.33 and the total payment to $5076.09 based on the correct HOI premium ($76.83). The Estimated Total monthly payment does not include the tax assessment based on 1.25% of the Purchase Price.     Reviewer Comment (2019-05-13): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-10): Tax Cert has been provided Seller Comment (2019-05-10): This was corrected on the CD dated 7/27/2018. 05/13/2019     1 A 07/27/2018 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
206687659 26508665 504944673 11702195 26508665-4616 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller Change - Total Closing Costs TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/23/2018 incorrectly disclosed whether there was a change in the Total Closing Costs. (Final/07/23/2018) Total closing costs (J) changed but CD states No     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/27/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687659 26508665 504944673 11702202 26508665-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $14.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) No cure provided     Reviewer Comment (2019-05-24): A PCCD, check and LOE was presented to cure the $14.00 violation Seller Comment (2019-05-24): Please review restitution documentation   05/24/2019   2 B 07/27/2018 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
206687659 26508665 504944673 11702203 26508665-6542 05/03/2019 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 $1,188.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) No cure provided     Reviewer Comment (2019-05-13): AMC reviewed exception. Purchase agreement indicates seller to pay county transfer tax. Exception Cleared. Seller Comment (2019-05-10): Disagree - Per the Purchase Agreement the Seller is responsible for the Transfer Tax and cannot be included in tolerance testing. PA has been uploaded. 05/13/2019     1 A 07/27/2018 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
206687659 26508665 504944673 11747509 26508665-2808 05/07/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-16): Approval was located in loan file. Condition is cancelled. Seller Comment (2019-05-13): Please see the attached Loan Approval.       1 A 07/27/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687659 26508665 504944673 11758393 26508665-4436 05/08/2019 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/07/08/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/27/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687659 26508665 504944673 11798946 26508665-3837 05/09/2019 Credit Credit Credit Calculation / Analysis Guideline Issue: Insufficient tradelines per credit guidelines   Borrower xxxx does not appear to qualify for Credit Option 1 or Option 2. Per Option 1: Does not have 3 open trades with 12 months satisfactory history (has 3 trades but one is only 10 months); meets the 24 month history requirement; does not meet requirement for two open trades (requires a mortgage history). Option 2: Does meet the 5 year reporting history, as well as a history of 4 or more trades with 12 mos paid as agreed; does meet Trade line active within 24 months; does not meet VOR last 12 mos (co-borrower paid Rent); does meet all tradelines paid as agreed last 48 months.     Reviewer Comment (2019-05-17): Both borrower and co-borrower both list the rental on their 1040's for two year and both borrowers have a depth of credit with closed and open accounts. Seller Comment (2019-05-15): Disagree: Please see the attached Jumbo 30 year guidelines, Credit report, VOR and page 1 or the borrowers tax returns to show that the borrowers lived at the same address which rent was paid. 05/17/2019     1 A 07/27/2018 CA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687660 26508666 505023514 11723887 26508666-6297 05/06/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $7,345.00 and disclosure timing violations. Electronic signature consent was not found in the file.     Reviewer Comment (2019-05-14): AMC received E Consent dated 12/31/2018. Exception Cleared. Seller Comment (2019-05-13): See attached E-Consent Reviewer Comment (2019-05-09): cConsent exception regraded to EV3-C 05/14/2019     1 A 01/25/2019 IN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687660 26508666 505023514 11723888 26508666-23897 05/06/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 01/16/2019 received on or after the date the Closing Disclosure 1/17/2019 12:00:00 AM was received. (Interim/01/16/2019) LE issued on 01/16/18 is missing borrower signature/date received.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 01/25/2019 IN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687660 26508666 505023514 11723983 26508666-4826 05/06/2019 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 01/24/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/24/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. File is missing Esign consent.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687660 26508666 505023514 11723984 26508666-3879 05/06/2019 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. This disclosure was not found in the file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 01/25/2019 IN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687660 26508666 505023514 11723986 26508666-6543 05/06/2019 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 $115.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723987 26508666-6542 05/06/2019 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 $5,360.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723988 26508666-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7319) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723989 26508666-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723990 26508666-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723991 26508666-6542 05/06/2019 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 $540.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723993 26508666-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75127) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723994 26508666-6542 05/06/2019 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 $100.20 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723995 26508666-6542 05/06/2019 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 $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723996 26508666-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $14.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687660 26508666 505023514 11723998 26508666-6542 05/06/2019 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 $93.85 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) The electronic signature consent was not found in the file. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes.     Reviewer Comment (2019-05-09): Initial LE used to Baseline Fees for tolerance considerations 05/09/2019     1 A 01/25/2019 IN 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
206687661 26508667 504906841 11703002 26508667-4712 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/08/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/05/08/2018) The amount is correct, but a portion of the property taxes are seller paid and that is skewing the calculation.     Reviewer Comment (2019-05-17): Client elects to waive Reviewer Comment (2019-05-14): We have discussed this specific issue with outside counsel in the past. We note that 1026.38(l)(7) [Escrow Account on page 4] basically refers to 1026.38(g)(3) [Section G on page 2 of CD]. In (g)(3), the only total that is referenced is the borrower-paid total. Further, it makes sense that the (l)(7) disclosure in the CD matches up with the borrower-paid total because we note that the (l)(7) disclosure states "A cushion for the escrow account you [i.e., the borrower] pay for at closing." (Emphasis added). To permit a total that is both borrower- and non-borrower paid would appear misleading since that would then not be the amount that "you [i.e., the borrower]" is paying. So, with respect to the EV3 level grading on the exception, while we continue to believe the only correct approach is to use borrower-paid, if the CD includes both borrower- and non-borrower paid amounts, given the language provided in the CFPB Small Entity Compliance Guide (below), we are agreeable to downgrading the exception to EV2 at the client's request. Please provide a letter identifying if a downgrade is acceptable or provide a Corrected CD and LOE to the Borrower using only the Borrower paid portion on page 4 to match page 2. Seller Comment (2019-05-13): Disagree, The Loan Disclosures: Final Closing Disclosure provided on 5/08/2018 disclosed the Initial Escrow Payment that does match the escrow payment disclosed on page 2. On page 2 if the Final CD states 303 (HOI) + 3403.31 (Property Taxes) + -1010.02 (Aggregate) + 2247074 (Property Taxes paid by Seller) = 4944.03. The Initial Escrow Payment on page 4 is 4944.03 which is equal to 4944.03 on page 2.     05/17/2019 2 B 05/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687661 26508667 504906841 11703004 26508667-6542 05/03/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $995.00 exceeds tolerance of $925.00. Insufficient or no cure was provided to the borrower. (73196) The Underwriting fee is a seller paid fee.     Reviewer Comment (2019-05-17): Client elects to waive Reviewer Comment (2019-05-14): Underwriting fee was increased without a valid COC, even Seller paid fees cannot increase without a valid COC. Per deal setting at client's request, Seller and third party fees are not excluded from testing. A refund is due. Provide a valid COC or Corrected CD, Copy of Refund Check, Letter of Explanation and proof of delivery to cure. Seller Comment (2019-05-13): Disagree - The Zero Percent Fee Tolerance was not exceeded for Underwriting Fee. The Fee Amount of $995.00 does not exceed tolerance and no cure is needed .The Underwriting Fees was not reflected on the CD for $995 as a Seller Credit was paid as a Seller Fee.     05/17/2019 2 B 05/08/2018 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
206687661 26508667 504906841 11703005 26508667-6542 05/03/2019 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 $54.00 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) Credit Report fee was disclosed on the Loan Estimate at $50, but increased to $54 on final Closing Disclosure, but $4 was disclosed as a cure.     Reviewer Comment (2019-05-09): Cure provided at closing 05/09/2019     1 A 05/08/2018 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
206687661 26508667 504906841 11703025 26508667-4371 05/03/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 05/08/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/05/08/2018) The closing date is reflected as 5/8/2018 on the Note, Mortgage and Closing Disclosure, but the documents were signed 5/9/2018.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 05/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687661 26508667 504906841 11703026 26508667-4826 05/03/2019 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 05/08/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/08/2018) A sufficient amount was disclosed as a cure for under disclosed Credit Report fee.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 05/08/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687661 26508667 504906841 11703027 26508667-6543 05/03/2019 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 $2,924.00 exceeds tolerance of $2,574.00 plus 10% or $2,831.40. Insufficient or no cure was provided to the borrower. (0) No cure provided at closing     Reviewer Comment (2019-05-17): Client elects to waive Reviewer Comment (2019-05-14): 10% tolerance fees include; Title - Settlement $875, Title - Endorsement $100, Title - Lender's title $1429.00, Title - Notary $150, Title - Recording Service $20 = total $2924.00 Initial LE total of these fees are $2,574.00. It appears the issue is that on the baseline LE (4/5/19) the Title - Recording Service Fee was disclosed as $20.00, then on the following LEs and all CDs the Title- Recording Service Fee increased to $345.00 without a valid COC causing the 10% tolerance allowance to be violated. Seller Comment (2019-05-13): Disagree - The Ten Percent Fee Tolerance was not exceeded. The borrower was disclosed at 3012.00 and was charged the lesser amount od 2924.00. There was no violation and no cure is needed.     05/17/2019 2 B 05/08/2018 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
206687662 26508668 504957887 11723907 26508668-4436 05/06/2019 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/08/06/2018) No evidence was provided indicating when borrower received a copy of the appraisals.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/24/2018 FL Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687662 26508668 504957887 11723931 26508668-23688 05/06/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage of $369,303 is insufficient to cover the mortgage amount of $637,000 or the estimated cost new of $557,600. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement cost estimator from the insurer.     Reviewer Comment (2019-05-16): Replacement cost estimator was provided and is acceptable. Condition is cleared. Seller Comment (2019-05-15): Please see the attached insurance Seller Comment (2019-05-14): Disagree please see attached showing replacement coverage 05/16/2019     1 A 08/24/2018 FL Primary Refinance - Rate/Term   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687664 26508670 504911183 11722863 26508670-855 05/06/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/08/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018 The subject is located in a FEMA Disaster Area. A post-disaster inspection is required verifying there was no damage to the subject. The inspection must include exterior photos of the subject.     Reviewer Comment (2019-05-15): Post disaster inspection report was provided. Condition is cleared. Seller Comment (2019-05-13): See PDI 05/15/2019     1 A 07/05/2018 CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687664 26508670 504911183 11723097 26508670-7042 05/06/2019 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. Right to Cancel is on Form H-8 however, subject loan is paying off an existing MK Lending Corp loan. Right to Cancel should be on Form H-9.     Reviewer Comment (2019-05-30): The lender provided Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Confirmed the borrower has accepted the transaction Reviewer Comment (2019-05-24): Verified UPS deliver on 5/23/2019 with an expiration of 5/29 midnight to clear 5/30/2019 Seller Comment (2019-05-22): Attached please find Right to Cancel document   05/30/2019   2 B 07/05/2018 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 B B A A Safe Harbor QM Safe Harbor QM Yes
206687664 26508670 504911183 12030398 26508670-25319 05/24/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-28): Client elects to waive     05/28/2019 2 B 07/05/2018 CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687667 26508675 504923846 11724485 26508675-2808 05/06/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-16): Approval was located in loan file. Condition is cancelled. Seller Comment (2019-05-14): Please see the attached loan approval.       1 A 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687667 26508675 504923846 11725405 26508675-5320 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 06/26/2018 disclosed a negative fee amount. (Final/06/26/2018) The Final Closing Disclosure reflected a negative fee of -$16.64 for Prorated taxes.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 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
206687667 26508675 504923846 11725407 26508675-4826 05/06/2019 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 06/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/26/2018) Due to tolerance violations.     Reviewer Comment (2019-05-14): Tolerance exceptions are addressed. Exception Cleared. 05/14/2019     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
206687667 26508675 504923846 11725410 26508675-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $60.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) The Title - Wire Fee reflected on the Final Closing Disclosure for $30 plus $30 Seller Paid, was not disclosed on the initial Loan Estimate.     Reviewer Comment (2019-05-14): AMC reviewed exception. Fee is paid to same provider. Exception Cleared. Seller Comment (2019-05-13): Disagree - Title - Wire/Funding/Disbursement Fee is a 10% fee, on the ILE the borrower was disclosed $6,880, however the borrower was only charged $3398.98 on the Final CD. Fees did not exceed the 10% allowance charged and the Seller Paid fee is a part of the Seller's Transaction and cannot be included in tolerance testing. 05/14/2019     1 A 06/26/2018 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
206687667 26508675 504923846 11725412 26508675-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Archiving Fee. Fee Amount of $160.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219) The Title - Archiving Fee for $80 Plus $80 Seller Paid reflected on the Final Closing Disclosure was not initially disclosed on the Initial Loan Estimate.     Reviewer Comment (2019-05-14): AMC reviewed exception. Fee is paid to same provider. Exception Cleared. Seller Comment (2019-05-13): Disagree - Title - Archiving Fee is a 10% fee, on the ILE the borrower was disclosed $6,880, however the borrower was only charged $3398.98 on the Final CD. Fees did not exceed the 10% allowance charged and the Seller Paid fee is a part of the Seller's Transaction and cannot be included in tolerance testing. 05/14/2019     1 A 06/26/2018 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
206687667 26508675 504923846 11725603 26508675-24137 05/06/2019 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. (Henry/Yu/2659862) Missing explicit dates of employment from third party source.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687667 26508675 504923846 11725605 26508675-24137 05/06/2019 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. (Serena/Cheng/2659863) Missing explicit dates of employment from third party source.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/26/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687669 26508678 504669323 11727397 26508678-23895 05/06/2019 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/02/27/2017) Revised LE issued on 02/27/2017; initial CD issued on 02/27/2017. No evidence of borrower receipt of revised LE is provided.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 03/13/2017 IN Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687670 26508680 504930456 11729128 26508680-4371 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/22/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/06/22/2018) Notary date of 6/23/18, Closing date 6/22/18, Borrower signed CD 6/26 which is disbursement date     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687670 26508680 504930456 11729129 26508680-25507 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 14,739.60 on Final Closing Disclosure provided on 06/22/2018 not accurate. (Final/06/22/2018) Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 14,739.60 on Final Closing Disclosure is based on $343.92 Hazard and $884.38 = $1,228.30. However per documentation in file the hazard policy annual premium $2,686.00. Final Closing collects in F Prepaids collected a premium of $4,127.00 which we do not have any documentation confirming this amount.     Reviewer Comment (2019-05-24): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-23): Disagree, The Final CD has been attached along with the billing statement to show the borrower was refunded and it also provides and explanation as to why it was given. This statement was sent out on 8/31/2018. Accept this documentation to show correction. 05/24/2019     1 A 06/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687670 26508680 504930456 11729130 26508680-4673 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/22/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/793380) Escrow payment does not match the calculated payment due to the hazard insurance premium. Policy reflects a total of $2,686 ($223.83 monthly).     Reviewer Comment (2019-05-24): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-23): Disagree, The Final CD has been attached along with the billing statement to show the borrower was refunded and it also provides and explanation as to why it was given. This statement was sent out on 8/31/2018. Accept this documentation to show correction. 05/24/2019     1 A 06/22/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687670 26508680 504930456 11729131 26508680-4612 05/06/2019 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 06/22/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/793380) Escrow payment does not match the calculated payment due to the hazard insurance premium. Policy reflects a total of $2,686 ($223.83 monthly).     Reviewer Comment (2019-05-24): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-23): Disagree, The Final CD has been attached along with the billing statement to show the borrower was refunded and it also provides and explanation as to why it was given. This statement was sent out on 8/31/2018. Accept this documentation to show correction. 05/24/2019     1 A 06/22/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687670 26508680 504930456 11729133 26508680-4865 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Taxes Escrow TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/22/2018 disclosed property taxes figures under Initial Escrow Payment at Closing that does not match amount per month calculation. (Final/06/22/2018) Escrow payment does not match the calculated payment due to the hazard insurance premium. Policy reflects a total of $2,686 ($223.83 monthly).     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687670 26508680 504930456 11729196 26508680-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) Seller paid fee outside of tolerance. No cure provided to the borrower.     Reviewer Comment (2019-05-15): This fee was paid by the seller only and listed in section C of the seller CD and does not affect the buyers fees. Reviewer Comment (2019-05-15): Final Seller's Settlement Statement shows the seller's wire fee for mortgage payoff was $45 and does not match the final CD. A refund of the under-disclosed amount shown on final CD of $35 to be cured with a Corrected CD, Copy of Refund Check, Letter of Explanation and Proof of Delivery. Seller Comment (2019-05-14): Disagree - The $35 is a Seller Paid Fee for Wire /Funding/ Disbursement Fee and is non-testable. The Zero Percent Fee is not exceeded and there is no violation. 05/15/2019     1 A 06/22/2018 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
206687670 26508680 504930456 11729231 26508680-4826 05/06/2019 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 06/22/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/22/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved. Tolerances are due to Seller paid fees     Reviewer Comment (2019-05-15): The failures are based only on section C seller paid fees per the seller CD and did not affect any cost testing paid by the borrower 05/15/2019     1 A 06/22/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687671 26508684 504984805 11728435 26508684-5366 05/06/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.28992% exceeds Guideline total debt ratio of 43.00000%. Rental income on the retained departing residence appears to have been used by the lender in qualifying the borrower, however, an appraisal confirming an LTV < 70% was not provided as per guidelines. Full PITIA used in audit.     Reviewer Comment (2019-05-17): The lender provided evidence mortgage was paid off and the property is now free and clear which brings the DTI back to QM Seller Comment (2019-05-14): Disagree: Property is free and clear. Borrower was qualified with taxes and insurance. Appraisal is not required due to there is not currently a lien on the property. Please see the attached documentation 05/17/2019     1 A 10/17/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687671 26508684 504984805 11729544 26508684-5695 05/06/2019 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. Rental income on the retained departing residence appears to have been used by the lender in qualifying the borrower, however, an appraisal confirming an LTV < 70% was not provided as per guidelines. Full PITIA used in audit.     Reviewer Comment (2019-05-17): The lender provided evidence mortgage was paid off and the property is now free and clear which brings the DTI back to QM Seller Comment (2019-05-14): Disagree: Property is free and clear. Chase account paid off prior to closing. Qualified with the insurance and taxes. Appraisal is not required if the property is free and clear. Please see the attached documents 05/17/2019     1 A 10/17/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687671 26508684 504984805 11729546 26508684-3867 05/06/2019 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. Subject loan is an ATR Risk due to excessive DTI and missing income documents (signed 1040's, Departing Residence Appraisal < 70% LTV).     Reviewer Comment (2019-05-17): The lender provided evidence mortgage was paid off and the property is now free and clear which brings the DTI back to QM Seller Comment (2019-05-14): Disagree: Signed Tax returns are not required. 4506T results were in the file. (please see the attached.); Property is free and clear. Chase account was paid off prior to closing. Qualified with the insurance and taxes. Appraisal is not required if the property is free and clear. Please see the attached documentation 05/17/2019     1 A 10/17/2018 TX Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687671 26508684 504984805 11729547 26508684-1257 05/06/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Rental income on the retained departing residence appears to have been used by the lender in qualifying the borrower, however, an appraisal confirming an LTV < 70% was not provided as per guidelines. Full PITIA used in audit.     Reviewer Comment (2019-05-17): The lender provided evidence mortgage was paid off and the property is now free and clear which brings the DTI back to QM Seller Comment (2019-05-14): Disagree: Property is free and clear. Chase account was paid off prior to closing. Qualified with the insurance and taxes. Appraisal is not required if the property is free and clear. Please see the attached documentation. 05/17/2019     1 A 10/17/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687671 26508684 504984805 11729549 26508684-4826 05/06/2019 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 10/12/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/12/2018) Cure of $252.50 for 10% tolerance violation was not provided.     Reviewer Comment (2019-05-14): Fee named incorrectly on LE adjusted, no tolerance violation. 05/14/2019     1 A 10/17/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687671 26508684 504984805 11729554 26508684-6543 05/06/2019 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 $390.00 exceeds tolerance of $125.00 plus 10% or $137.50. Insufficient or no cure was provided to the borrower. (0) Closing/Funding Fee disclosed in Section B of the consumer's final CD was not disclosed on Loan Estimate.     Reviewer Comment (2019-05-14): Settlement/Closing/Funding Fee was disclosed on LE. Seller Comment (2019-05-13): Disagree - Reviewer didn't take into account the SPL, the borrower shopped for Title Services and are not testable. 05/14/2019     1 A 10/17/2018 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 C B A A Safe Harbor QM Safe Harbor QM Yes
206687671 26508684 504984805 11766217 26508684-4436 05/08/2019 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:Secondary/09/24/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/17/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687671 26508684 504984805 11766218 26508684-4436 05/08/2019 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/10/10/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/17/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687671 26508684 504984805 11766219 26508684-25034 05/08/2019 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 47.28992% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)       Reviewer Comment (2019-05-17): The lender provided evidence mortgage was paid off and the property is now free and clear which brings the DTI back to QM Seller Comment (2019-05-14): Disagree: DTI 38.5%. Property is free and clear. Chase account was paid off prior to closing. Qualified with the insurance and taxes. Appraisal is not required if the property is free and clear. Please see the attached documentation 05/17/2019     1 A 10/17/2018 TX Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687672 26508686 504973392 11724472 26508686-4436 05/06/2019 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/09/10/2018) Evidence of borrower's actual receipt date of the appraisals was not provided in the loan images.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/21/2018 GA Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687672 26508686 504973392 11763616 26508686-25158 05/08/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Actual rate lock documentation was not provided in the loan images.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/21/2018 GA Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687674 26508694 504943811 11732922 26508694-7038 05/06/2019 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/07/26/2018) Initial CD issued on 07/26/18 was received on 07/30/18 which is not at least 3 business prior to closing date of 07/30/18.     Reviewer Comment (2019-05-13): AMC received Disclosure Tracking indicating 07/26 CD was received the same day. Exception Cleared. Seller Comment (2019-05-10): Disclosure tracking history shows 7/26/18 CD viewed 7/26/18, see attached 05/13/2019     1 A 07/30/2018 CA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687674 26508694 504943811 11764742 26508694-23477 05/08/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/30/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687675 26508696 504928535 11720579 26508696-23688 05/06/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI Coverage of $603,750 is insufficient to cover 80% of estimated cost to rebuild per the Appraisal of $732,992 resulting in a Coverage Shortfall of $129,242. Replacement cost from the insurer to determine Coverage amount of $603,750 is sufficient was not provided.     Reviewer Comment (2019-05-15): Replacement cost estimate from the insurer was provided. Condition is cleared. Seller Comment (2019-05-10): See attached Reconstruction Cost Estimate from Farmers Insruance. The calculated value is $452,000.00. Dwelling coverage is sufficient. 05/15/2019     1 A 07/13/2018 CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687675 26508696 504928535 11721555 26508696-7038 05/06/2019 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/07/10/2018) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/07/10/2018)     Reviewer Comment (2019-05-20): AMC received Disclosure Tracking indicating the 07/10 CD was received the same day. Exception Cleared. Seller Comment (2019-05-17): See attached disclosure history 05/20/2019     1 A 07/13/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687676 26508697 504928291 11721430 26508697-6542 05/06/2019 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 $395.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7713) The pest inspection was not reflected on the LE, however is disclosed on the CD in the amount of $395. No cure or valid COC provided, however the fee was paid by the seller.     Reviewer Comment (2019-05-13): Page 2 of Purchase Contract states Seller to pay for Termite Report and any Section 1 repairs to be completed. Seller Comment (2019-05-10): 5/10/2019, Disagree - The pest inspection was not reflected on the LE due to the $395 was paid as a Seller Fee. The fee is listed on the Seller CD and is non testable, therefore a cure is not needed. 05/13/2019     1 A 07/02/2018 CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687676 26508697 504928291 11721490 26508697-4826 05/06/2019 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 07/02/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/02/2018) No cure provided     Reviewer Comment (2019-05-13): All tolerance exceptions have been addressed. 05/13/2019     1 A 07/02/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687677 26508698 504936095 11723743 26508698-23688 05/06/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI Coverage of $612,720 is insufficient to cover 80% of the Appraised value that is $760,000 resulting in a Coverage Shortfall of $147,280. Replacement cost from the insurer to determine Coverage amount of $612,720 is sufficient was not provided.     Reviewer Comment (2019-05-15): Replacement cost estimate from the insurer was provided. Condition is cleared. Seller Comment (2019-05-10): 5/9: HOI Coverage of $612,720 is sufficient to cover the insurer's replacement cost estimate value of $494,000. Attached is a copy of 360Value used by insurer when issuing policy. 05/15/2019     1 A 07/24/2018 AZ Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687677 26508698 504936095 11724966 26508698-4371 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/24/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/24/2018) Closing Disclosure is dated 7/24/18 but documents were signed 7/25/18.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/24/2018 AZ Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687677 26508698 504936095 11724967 26508698-4850 05/06/2019 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 07/24/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/24/2018) An amount was not disclosed as a cure for under disclosed Appraisal fee.     Reviewer Comment (2019-05-13): AMC reviewed 06/15 COC. Exception Cleared. 05/13/2019     1 A 07/24/2018 AZ Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687677 26508698 504936095 11724968 26508698-6542 05/06/2019 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 $575.00 exceeds tolerance of $425.00. Insufficient or no cure was provided to the borrower. (7506) The Appraisal fee was disclosed on initial Loan Estimate at $425, but increased to $575 on final Closing Disclosure without disclosure of a cure.     Reviewer Comment (2019-05-13): AMC reviewed 06/15 COC. Exception Cleared. Seller Comment (2019-05-10): 5/10/2019, Disagree - The loan does not exceed the zero percent fee tolerance for the appraisal fee. The fee amount of $575 does not exceed tolerance of $425 and no cure is needed. A Change of Circumstance was provided to the customer notifying them of the needed change. The COC has been attached. 05/13/2019     1 A 07/24/2018 AZ Primary Refinance - Cash-out - Home Improvement 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
206687678 26508699 504945444 11727074 26508699-4826 05/06/2019 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 07/30/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/30/2018) Total tolerance violations of $810.81 were not cured by $150.00 provided on CD. Remaining to cure is $660.81     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/30/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687678 26508699 504945444 11727133 26508699-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75237) LE issued on 7/14/18 did not disclose Deed Preparation Fee; however on final CD the fee was disclosed with $150.00 cure to borrower     Reviewer Comment (2019-05-09): Cure provided at closing 05/09/2019     1 A 07/30/2018 TX 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
206687678 26508699 504945444 11727134 26508699-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77222) LE issued on 7/14/18 did not disclose a TX Guaranty Fee; however on the final CD the fee was disclosed as $9.00 with no cure to borrower.     Reviewer Comment (2019-05-15): AMC received an attestation the GARC fee is required by Borrower's chosen provider. Reviewer Comment (2019-05-14): xxxx (also known as a guaranty assessment recoupment charge, or �GARC�) is a fee required to be collected by each TX Title Agent for each owners and lenders title insurance policy issued from 2004 through December 31, 2013 and again from April 1, 2016 through December 31, 2017 and is ultimately payable to TTGIA (Texas Title Insurance Guaranty Association). While the title company is responsible for the collection of the fee (which the borrower may or may not shop for) the fee itself is ultimately passed onto the Texas Title Insurance Guaranty Association (TTGIA). Given the ultimate payee/provider is not shoppable, it is subject to 0% tolerance. Seller Comment (2019-05-13): The Title-Policy Guarantee Fee would fall under the 10% tolerance testing as this fee was not disclosed to the borrower as a fee they cannot shop for. The borrower shopped for their title services which makes all title fees excluded from tolerance testing. In addition, the $4.50 paid by the seller is a Seller Charge and would not fall under TRID testing. No TRID violation occurred. The commentary for 1026.37(f)(2) clarifies that the items to be included under �Services You Cannot Shop For� are for those services that the creditor requires in connection with the transaction that would be provided by persons other than the creditor or mortgage broker and for which the creditor does not permit the consumer to shop. xxxx allowed the borrower to shop for title fees. The GARC is not a fee for a service required by xxxx. It is a title service fee that is ancillary to the transaction. Ten percent is the appropriate tolerance to be applied. 05/15/2019     1 A 07/30/2018 TX 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
206687678 26508699 504945444 11727239 26508699-6542 05/06/2019 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 $351.81 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) LE issued on 7/14/18 disclosed a Title-Survey fee for $400.00 on the final CD the fee as disclosed as Survey fee for $400.00     Reviewer Comment (2019-05-17): AMC reviewed exception. Fee was disclosed on LE and paid to chosen provider. Exception Cleared. Seller Comment (2019-05-16): Disagree with finding the property is located in Texas so a survey is required. The borrower shopped for the service so the zero tolerance test would not be applicable. Reviewer Comment (2019-05-14): Survey fee was disclosed on the LE as Title - Survey Fee for $400, however, the CD it was disclosed as Survey Fee without "title" for a lesser amount. In order to cure a Corrected CD and LOE to borrower is needed. Seller Comment (2019-05-13): The loan does not exceed the zero percent fee tolerance for the survey fee. The LE issued on 7/14/2018 was disclosed as $400, however, the fee amount was decreased to $351.81 on the Redisclosed and Final CD which is acceptable and no cure is needed. 05/17/2019     1 A 07/30/2018 TX 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
206687678 26508699 504945444 11926187 26508699-25319 05/17/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 07/30/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687679 26508700 504914545 11738090 26508700-6542 05/07/2019 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 $570.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. (7506) Appraisal fee amount of $570.00 exceeds tolerance of $550.00.     Reviewer Comment (2019-05-09): The lender provided a cure of $20.00 at closing for the appraisal fee overage.   05/09/2019   2 B 07/02/2018 MN 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
206687679 26508700 504914545 11738373 26508700-4376 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/02/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/07/02/2018) Finance Charge is $463,562.83 reported on the final CD; the calculated financed charge is $464,061.83. The difference is 810.05.     Reviewer Comment (2019-05-15): Upon further review, the exception is cleared. Seller Comment (2019-05-14): Disagree - Calculated Finance Charge is $463,558.14 vs Disclosed Finance Charge which is a difference of $4.72, no violation occurred. Predatory worksheet has been provided. 05/15/2019     1 A 07/02/2018 MN 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
206687680 26508702 505011709 11726155 26508702-5404 05/06/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx W-2 (2017)       Reviewer Comment (2019-05-15): 2017 W2 was provided. Condition is cleared. Seller Comment (2019-05-10): Attached documentation from file includes a copy of borrower's 2017 W2. 05/15/2019     1 A 12/14/2018 GA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687680 26508702 505011709 11726848 26508702-25158 05/06/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 12/14/2018 GA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687680 26508702 505011709 11727170 26508702-6297 05/06/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $9,502.75 and disclosure timing violations. Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-14): AMC received E Consent dated 11/25/2018. Exception Cleared. Seller Comment (2019-05-13): Please see the attached e-consent Reviewer Comment (2019-05-09): EConsent regraded to EV3 05/14/2019     1 A 12/14/2018 GA Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687680 26508702 505011709 11727172 26508702-4826 05/06/2019 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 12/12/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/12/2018) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687680 26508702 505011709 11727173 26508702-6543 05/06/2019 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 $70.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 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
206687680 26508702 505011709 11727174 26508702-6542 05/06/2019 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 $5,880.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 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
206687680 26508702 505011709 11727175 26508702-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $299.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 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
206687680 26508702 505011709 11727177 26508702-6542 05/06/2019 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 $575.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 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
206687680 26508702 505011709 11727178 26508702-6542 05/06/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 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
206687680 26508702 505011709 11727179 26508702-6542 05/06/2019 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 $29.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 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
206687680 26508702 505011709 11727180 26508702-6542 05/06/2019 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 $2,499.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Evidence of e-consent agreement not provided.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 12/14/2018 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
206687680 26508702 505011709 11777976 26508702-25838 05/08/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address:xxxxx Statement Proof of PITI not found in file.     Reviewer Comment (2019-05-15): REO Documentation was provided. Condition is cleared. Seller Comment (2019-05-10): Attached documentation from file includes verification of the PITI payment for the property at 629 Grand St. Total PITI payment of $2,292.33 derived from P&I of $2,078, HOI of $58.67, and taxes of $155.66, although taxes were overstated (should be annual amount of $1,428.19/12 = $119.02 per month) as attachment reflects 2016 and 2017 taxes, duplicating 1st and 2nd quarter taxes. 05/15/2019     1 A 12/14/2018 GA Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687681 26508703 504928133 11726633 26508703-2808 05/06/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided         Reviewer Comment (2019-05-15): Approval was located in the loan file. Condition is cancelled. Seller Comment (2019-05-13): Attached from the file is a copy of the final approval letter.       1 A 07/16/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687681 26508703 504928133 11736918 26508703-4436 05/07/2019 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/07/13/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/16/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687681 26508703 504928133 11768649 26508703-7038 05/08/2019 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/07/10/2018) CD not provided to the borrower 3 business days prior to closing.     Reviewer Comment (2019-05-13): AMC received 07/10 CD signed. Exception Cleared. Seller Comment (2019-05-10): Disagree, Initial CD issued 7/10/18, closing date 7/16/18 which is more than 3 business days. see attached initial CD dated 7/10/18 05/13/2019     1 A 07/16/2018 TX Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687682 26508705 504948973 11751680 26508705-2916 05/07/2019 Credit Loan Package Documentation Closing / Title Missing Document: Rider - PUD not provided   PUD Rider is missing and the box was not checked on the security instrument Borrower has employment stability for 15 years in the (Industry Name). 14.51 months reserves > 0 months guideline minimum Aggregator Aggregator Reviewer Comment (2019-05-28): Client has elected to waive with comp factors     05/28/2019 2 B 09/14/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687682 26508705 504948973 11752238 26508705-4826 05/07/2019 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 09/11/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/11/2018) 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 (2019-05-10): AMC reviewed exception. Purchase agreement indicates seller to pay tax statements. Exception Cleared. 05/10/2019     1 A 09/14/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687682 26508705 504948973 11752502 26508705-3988 05/07/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 09/07/2018 not received by borrower at least four (4) business days prior to closing. (Interim/09/07/2018) Revised LE issued on 09/07/18 was received on 09/11/18 which is not at least 4 business days prior to closing date of 09/14/18.     Reviewer Comment (2019-05-20): AMC received required documents, exception is cleared. Seller Comment (2019-05-17): Per Lender: this LE was not sent to the borrower � it was pulled to finalize the estimated fees/cash to close for the atty that draws our closing docs. 05/20/2019     1 A 09/14/2018 TX Primary Purchase No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687682 26508705 504948973 11752503 26508705-17649 05/07/2019 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. (Final/09/11/2018) Seller paid fees were not disclosed on the Consumer's Final CD.     Reviewer Comment (2019-05-20): AMC received required documents, exception is cleared. 05/20/2019     1 A 09/14/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687682 26508705 504948973 11752505 26508705-6542 05/07/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $99.95 exceeds tolerance of $60.00. Insufficient or no cure was provided to the borrower. (77188) Binding LE disclosed a Title - Tax Certificate Fee of $60, however, Final CD disclosed $99.95. Cure for 0% tolerance violation was not provided.     Reviewer Comment (2019-05-10): AMC reviewed exception. Purchase agreement indicates seller to pay tax statements. Exception Cleared. Seller Comment (2019-05-09): 05/09 Disagree with finding. The borrower shopped so this is no longer subject to a zero tolerance. 05/10/2019     1 A 09/14/2018 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687682 26508705 504948973 11767422 26508705-7038 05/08/2019 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/09/11/2018) Initial CD was issued and received on 09/11/18 which is not at least 3 business days prior to closing date of 09/14/18.     Reviewer Comment (2019-05-20): AMC received required documents, exception is cleared. Seller Comment (2019-05-17): See predatory worksheet attached. Seller Comment (2019-05-17): Disagree - CD sent on 9/11/2018 and Received on 9/11/2018, loan closed on 9/14/2018 and meets the 3 day requirement. 05/20/2019     1 A 09/14/2018 TX Primary Purchase No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687682 26508705 504948973 11940376 26508705-18604 05/20/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 09/11/2018 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.) (Final/09/11/2018) No seller fees were disclosed on final CD.     Reviewer Comment (2019-05-24): The seller CD fees were not input at the time of review, the seller paid fees are listed Reviewer Comment (2019-05-22): Please provide final Combined ALTA Settlement Statement to verify no closing costs were charged to the Seller or paid by the Seller at closing on this purchase transaction. Seller Comment (2019-05-21): Disagree, Per Purchase Agreement and Final CD there were no seller costs       1 A 09/14/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687682 26508705 504948973 11940377 26508705-7038 05/20/2019 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/09/11/2018) Provided timely     Reviewer Comment (2019-05-20): Upon further review, the exception is cleared. 05/20/2019     1 A 09/14/2018 TX Primary Purchase No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687682 26508705 504948973 12024060 26508705-4826 05/24/2019 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 09/11/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/11/2018) Not required     Reviewer Comment (2019-05-28): Client Elects to Waive     05/28/2019 2 B 09/14/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687683 26508706 505006372 11768573 26508706-6583 05/08/2019 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 $101.81 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)           05/08/2019   1 A 11/17/2018 CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM Yes
206687683 26508706 505006372 11789384 26508706-4264 05/09/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.71 is less than Guideline PITIA months reserves of 6.00.       Reviewer Comment (2019-05-17): Reviewed all asset documentation located in loan file. Condition is cancelled. Seller Comment (2019-05-16): Disagree. Borrowers have verified assets of more than 6 months PITIA in reserves. Funds required at closing per Closing Disclosure of $365,424.41 plus six months of PITIA of $32,980.86 for reserves calculates to a combined total of $398,405.27. EMD of $35,400 is not included in this calculation and was verified and accounted for in the balances listed below (EMD cleared BOA #0102 prior to the 11/7 verified balance). Accounts were all verified with minimum two consecutive months statements for each account, with most recent balances/dates reflected. Following is breakdown of verified assets from the file that total $426,679.19, not including 401k accounts. The balance for BOA #6158 was reduced by $3,000 due to two withdrawal/transfers after the 9/28 verified balance date that were deposited into another account (#0102) verified at a later date to avoid double counting the assets. xxxx- $47,325.65 as of 11/7 (balance after $35,400 wired from account for EMD) xxxx - $2,058.07 as of 9/28 (minus two $1,500 WD in Oct. to acct. #xxxxx) xxxx - $5,363.90 as of 9/20 xxxx - $5,019.78 as of 9/20 xxx - $106,288.76 as of 9/30 xxxxx $37,769.73 as of 9/30 xxxx - $11,698.73 as of 9/30 Gift funds of $211,154.57 ($200,000 transferred in one wire and $11,154.57 transferred in another wire)       1 A 11/17/2018 CA Primary Purchase   A A A A A A A A Safe Harbor QM Safe Harbor QM No
206687684 26508714 505020012 11738162 26508714-929 05/07/2019 Property Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: 01/08/2019 Missing 442 inspection.     Reviewer Comment (2019-05-15): 1004D/442 was provided. Condition is cleared. Seller Comment (2019-05-10): Please see the attached 1004D 05/15/2019     1 A 01/17/2019 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206687684 26508714 505020012 11738954 26508714-4436 05/07/2019 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/01/08/2019) Missing evidence appraisal was delivered prior to closing.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/17/2019 TX Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
206687684 26508714 505020012 11738958 26508714-6297 05/07/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,815.00 and disclosure timing violations. The file did not contain a copy of the esign consent agreement.     Reviewer Comment (2019-05-13): AMC received E Consent dated 12/15/2018. Exception Cleared. Seller Comment (2019-05-10): Please see the attached e-consent 05/13/2019     1 A 01/17/2019 TX Primary Purchase No Defined Cure C B A A B B C A Safe Harbor QM Safe Harbor QM No
206687684 26508714 505020012 11768477 26508714-4866 05/08/2019 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. The earliest Toolkit Disclosure was acknowledged at closing on 01/17/19. Loan application date was 12/15/2018     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 01/17/2019 TX Primary Purchase No Defined Cure C B A A B B C A Safe Harbor QM Safe Harbor QM No
206687685 26508715 504954176 11738529 26508715-7115 05/07/2019 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. Missing initial escrow account statement showing $1,549.23 as opening deposit vs signed file copy of $699.75.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/14/2018 NV Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687685 26508715 504954176 11739021 26508715-23897 05/07/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 08/07/2018 received on or after the date the Closing Disclosure 8/10/2018 12:00:00 AM was received. (Interim/08/07/2018) Revised LE dated 08/07/2018 not signed, considered received within 3 days which is after closing disclosure.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/14/2018 NV Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687685 26508715 504954176 11739022 26508715-3988 05/07/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/07/2018 not received by borrower at least four (4) business days prior to closing. (Interim/08/07/2018) Missing evidence of delivery.     Reviewer Comment (2019-05-21): Client elects to waive Reviewer Comment (2019-05-17): AMC received acknowledgment of receipt disclosure that indicates the borrower received the LEs on the date issued. Disclosure is dated 8/14/18, but was signed by borrower on 5/15/19. Exception to remain open as there is no evidence of date of delivery. Exception regraded to EV-2. Seller Comment (2019-05-16): Please see the attached delivery     05/21/2019 2 B 08/14/2018 NV Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687685 26508715 504954176 11771883 26508715-6411 05/08/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/08/14/2018) Missing Final Seller Closing disclosure, file copy is estimated     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/14/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687685 26508715 504954176 11812240 26508715-4611 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Discount Point Percentage TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 08/14/2018 did not disclose Discount Point percentage. (Final/08/14/2018) Discount points of $800.00 was listed on the LE and CD but did not disclose any percentage     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/14/2018 NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687686 26508718 504976505 11744813 26508718-4613 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 12/06/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/12/06/2018) Homeowner�s monthly amount on Final CD in Section G in incorrect and doesn't calculate to the annual disclosed in section F. Annual amount in Section F = $4,539/12 = $378.25 which is the amount which should be reflected in Section G.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 12/06/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687686 26508718 504976505 11795006 26508718-4812 05/09/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Primary/10/02/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 12/06/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687687 26508722 504962653 11736458 26508722-4613 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/30/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/08/30/2018) Amount should be $515.65 on final CD and final CD reflects $518.65 Annual Premium is $1547.04 / 12 is $128.92 per month * 4 months = $515.65     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/31/2018 TX 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
206687687 26508722 504962653 11736484 26508722-6582 05/07/2019 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 $178.00 exceeds tolerance of $160.00 plus 10% or $176.00. Sufficient or excess cure was provided to the borrower at Closing. (0) Cure provided         05/07/2019   1 A 08/31/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687688 26508723 504931289 11737188 26508723-23083 05/07/2019 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. (Shirley/Biagi/2669642) Missing third party verification to verify employment dates (at least 2 years ) for Sch C income (CPA letter, Business license, etc.).     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/31/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687688 26508723 504931289 11737223 26508723-4376 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/31/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/07/31/2018) The final CD reflects a finance charge of $670,574.59, per the final CD, however, calculated finance charge is $671,023.74.     Reviewer Comment (2019-05-17): Hazard Insurance in Section H is not an APR fee, it has been excluded for testing. Seller Comment (2019-05-16): See attached Predatory test results, page 9 shows that Escrow waiver fee is included in testing. Please provide documentation to show your results to verify your calculated finance charge. Reviewer Comment (2019-05-15): The $671,023.74 calculated finance charge includes a $905.50 Escrow waiver fee. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-14): Disagree - The Calculated Finance Charge $670,148.87 vs the Disclosed $670,548.59 is a difference of $399.72 over disclosed, over disclosures are acceptable. No violation occurred. Predatory worksheet has been uploaded. 05/17/2019     1 A 07/31/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687688 26508723 504931289 11773223 26508723-6583 05/08/2019 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 Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75106) A cure of $150 is reflected which is sufficient to cure the 0% tolerance violation for the desk review.         05/08/2019   1 A 07/31/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687688 26508723 504931289 11773261 26508723-5404 05/08/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxxx Verification Missing third party verification to verify employment dates (at least 2 years ) for Sch C income (CPA letter, Business license, etc.).     Reviewer Comment (2019-05-17): VVOE was done on 07/23/18 and we had in the initial review. Exception cancelled. Seller Comment (2019-05-10): There is no license for being an author/writer and borrower is paid royalty income from sales of books she has written. File included screen shot of page from Amazon website showing one of several books written by xxxx A current internet search of Amazon website as well as the Cengage link provided in email for xxxx remains active and search reveals several books available for purchase through both websites. Borrower is paid in lump sums from Cengage for earnings from sales. File contained copy of notice of electronic payment from xxxx for royalties received from the sale of books in March 2018 in amount of $21,       1 A 07/31/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687688 26508723 504931289 11925108 26508723-23818 05/17/2019 Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Finance Charge of $670,574.59 disclosed on the Final Closing Disclosure dated 07/31/2018 is under-disclosed by more than $35 compared to the Financed Charge calculated based on fees disclosed on the Post Closing Disclosure of $671,022.74 provided on 08/08/2018, a difference of $448.15000. (Post-Close/08/08/2018) Hazard Insurance in Section H is not an APR fee, it has been excluded for testing.     Reviewer Comment (2019-05-17): Hazard Insurance in Section H is not an APR fee, it has been excluded for testing. 05/17/2019     1 A 07/31/2018 CA Primary Refinance - Rate/Term 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 Safe Harbor QM Safe Harbor QM Yes
206687689 26508725 504989115 11738178 26508725-25503 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,847.75 on Final Closing Disclosure provided on 10/25/2018 not accurate. (Final/10/25/2018) In the audit, an estimate of 1.25% of purchase price was used for estimated property taxes. Lender used a lower value, however, no documentation is found to support the value used.     Reviewer Comment (2019-05-16): AMC received tax calculation. Exception Cleared. Seller Comment (2019-05-15): See attached Final 1003 page 2 for taxes the actual tax rate is 1.14129% 05/16/2019     1 A 10/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687689 26508725 504989115 11771296 26508725-4506 05/08/2019 Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Final Closing Disclosure not provided for simultaneous HELOC to verify net proceeds.     Reviewer Comment (2019-05-16): Reviewed provided documentation to confirm net proceeds from HELOC. Condition is cleared. Seller Comment (2019-05-13): Attached Closing Disclosure for primary mortgage reflects net proceeds from the HELOC, reflected on line L.04 on page 3 of the CD. Attachment includes copy of the Home Equity Revolving Loan Disbursement schedule and Home Equity Line of Credit Agreement and Disclosure Statement. All funds from the credit line were disbursed and provided to closing agent for the transaction. 05/16/2019     1 A 10/25/2018 CA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687689 26508725 504989115 11771437 26508725-4371 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 10/25/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/10/25/2018) Closing Date reflected on final CD is 10/25/2018; Notary Date is 10/30/2018. A post-closing CD was issued on 11/09/2018 reflecting the correct dates.     Reviewer Comment (2019-05-09): Closing Date reflected on final CD is 10/25/2018; Notary Date is 10/30/2018. A post-closing CD was issued on 11/09/2018 reflecting the correct dates. Condition is cleared. 05/09/2019     1 A 10/25/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687689 26508725 504989115 11771438 26508725-6583 05/08/2019 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 $98.50 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)           05/08/2019   1 A 10/25/2018 CA Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687690 26508726 504962042 11738059 26508726-25507 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,350.73 on Final Closing Disclosure provided on 09/20/2018 not accurate. (Final/09/20/2018) Page 4 of the final Closing Disclosure reflects incorrect Amount of Escrowed Property Costs over Year 1. Correct amount $5,491.68.     Reviewer Comment (2019-05-15): AMC received PCCD and LOE. Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-14): Please see the attached PCCD and LOE 05/15/2019     1 A 09/21/2018 SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687690 26508726 504962042 11738061 26508726-3879 05/07/2019 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. Evidence the Your Home Loan Toolkit was provided to Borrower within 3 days of application is missing.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/21/2018 SC Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687691 26508727 504992921 11741153 26508727-3495 05/07/2019 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:Secondary/10/05/2018) Evidence of Borrowers' earlier receipt is not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/10/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687691 26508727 504992921 11741155 26508727-4826 05/07/2019 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 10/10/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/10/2018) On Final CD under Total Closing Costs Exceeds Limits the amount is blank.     Reviewer Comment (2019-05-16): $652.50 was Seller paid Escrow fee per purchase contract 50/50 split between buyer and seller. Fees are within 10% tolerance 05/16/2019     1 A 10/10/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687691 26508727 504992921 11741157 26508727-6543 05/07/2019 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 $4,340.00 exceeds tolerance of $3,538.00 plus 10% or $3,891.80. Insufficient or no cure was provided to the borrower. (0) Cure for 10% tolerance violation of $448.20 was not provided.     Reviewer Comment (2019-05-16): $652.50 was Seller paid Escrow fee per purchase contract 50/50 split between buyer and seller. Fees are within 10% tolerance Seller Comment (2019-05-14): Disagree - Total 10% fees disclosed on ILE $3538 and charged to the borrower on the CD dated 10/18/2018 is $3425.50 which decreased by $112.50. No violation occurred. 05/16/2019     1 A 10/10/2018 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
206687693 26508730 504948026 11740618 26508730-6416 05/07/2019 Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.       Reviewer Comment (2019-05-15): Acknowledgement of the Fair Marker Value executed by the Lender was provided. Condition is cleared. Seller Comment (2019-05-13): AFMV has been provided. 05/15/2019     1 A 08/16/2018 TX Primary Refinance - Cash-out - Other To Remediate: Lender must either sign the AFMV. Best practices would be to deliver to the borrower the required disclosure signed by the lender or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687694 26508732 504952716 11743738 26508732-7115 05/07/2019 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 final CD reflects the initial escrow deposit of $6,034.38, however the initial escrow disclosure reflects an initial deposit of $5,403.96.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/27/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687694 26508732 504952716 11743740 26508732-6542 05/07/2019 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 $77.14 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) A cure of $27.14 is reflected however is insufficient to cure total 0% tolerance violations of $5,280.64.     Reviewer Comment (2019-05-09): A PCCD dated 9/6/2018 provided a cure of $1292.84 sufficient to cure   05/09/2019   2 B 08/27/2018 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
206687694 26508732 504952716 11743742 26508732-6542 05/07/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $104.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) The LE did not disclose a wire fee, however the CD reflects a wire fee of $104, no cure or valid COC provided     Reviewer Comment (2019-05-09): A PCCD dated 9/6/2018 provided a cure of $1292.84 sufficient to cure   05/09/2019   2 B 08/27/2018 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
206687694 26508732 504952716 11743743 26508732-6542 05/07/2019 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 $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7727) The LE did not disclose a title examination fee, however the CD reflects a title exam fee of $175, no cure or valid COC provided     Reviewer Comment (2019-05-09): A PCCD dated 9/6/2018 provided a cure in the amount of $1292.84 sufficient to cure   05/09/2019   2 B 08/27/2018 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
206687694 26508732 504952716 11744012 26508732-4866 05/07/2019 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. The toolkit is not located in the file and the multi purpose disclosure in file reflects a date of 8/27/18.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/27/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687694 26508732 504952716 11744013 26508732-7038 05/07/2019 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/08/22/2018) The CD provided on 8/22/2018 was not signed/dated by the borrower. The earliest estimated date it was received by the borrower is 8/25/18 which is not at least 3 business days prior to the closing date of 8/27/18.     Reviewer Comment (2019-05-14): AMC received Disclosure Tracking indicating the 08/22 CD was received the same day. Exception Cleared. Seller Comment (2019-05-13): Disagree - Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/22/2018). Proof of receipt has been provided. See attached. 05/14/2019     1 A 08/27/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687694 26508732 504952716 11744266 26508732-4372 05/07/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/27/2018 incorrectly disclosed whether the loan contains a Demand Feature. (Final/08/27/2018) The final CD states the loan has a demand feature.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/27/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687694 26508732 504952716 11779497 26508732-3136 05/08/2019 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 home ownership counseling list is not dated     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/27/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687694 26508732 504952716 11779600 26508732-23389 05/08/2019 Credit System General Closing Disclosure Subject Address does not match Note address. Date Issued: 08/22/2018, Date Issued: 08/27/2018, Date Issued: 08/30/2018, Date Issued: 09/04/2018, Date Issued: 09/06/2018 The final CD reflects the city as lake Worth, the Note reflects xxxxx.     Reviewer Comment (2019-05-20): Post closing CD provided with updated and correct city in the address. Condition is cleared. Seller Comment (2019-05-17): See revised closing disclosure reflecting city as xxxx. 05/20/2019     1 A 08/27/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687695 26508733 504945633 11732763 26508733-25454 05/06/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-22): provided 05/22/2019     1 A 08/20/2018 NJ Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687695 26508733 504945633 11733625 26508733-24490 05/06/2019 Compliance Compliance Federal Compliance Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. Mortgage Payoff Statements for both Mortgages paid off at closing are missing.     Reviewer Comment (2019-05-22): Provided Seller Comment (2019-05-22): See attached 05/22/2019     1 A 08/20/2018 NJ Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687695 26508733 504945633 11733633 26508733-6297 05/06/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $5,703.87 and disclosure timing violations. E-Consent Disclosure is missing.     Reviewer Comment (2019-05-13): AMC received E Consent dated 07/03/2018. Exception Cleared. Seller Comment (2019-05-10): Please see the attached e-consent Reviewer Comment (2019-05-09): eConsent regraded to EV3-C 05/13/2019     1 A 08/20/2018 NJ Primary Refinance - Cash-out - Other No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687695 26508733 504945633 11733638 26508733-4394 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/20/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/08/20/2018) The Appraised Value on page 1 of final Closing Disclosure is incorrect at $1,200,000. It should be $1,180,000.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/20/2018 NJ 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
206687695 26508733 504945633 11733640 26508733-4850 05/06/2019 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 08/20/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/20/2018) Unable to determine if closing costs exceeded legal limits. The fees are not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733642 26508733-6543 05/06/2019 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 $203.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733643 26508733-6542 05/06/2019 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 $3,450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733644 26508733-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Application Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7306) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733645 26508733-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $995.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7368) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733646 26508733-6542 05/06/2019 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 $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733647 26508733-6542 05/06/2019 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 $149.87 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733648 26508733-6542 05/06/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $12.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687695 26508733 504945633 11733649 26508733-6542 05/06/2019 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 $69.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) The fee is not being recognized because the Loan Estimate was electronically signed, but E-Consent Disclosure is missing.     Reviewer Comment (2019-05-09): Initial LE used for Fee Tolerance considerations 05/09/2019     1 A 08/20/2018 NJ 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
206687696 26508735 504895525 11743197 26508735-1992 05/07/2019 Compliance Compliance State Compliance Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. The loan file is missing the MN required counseling documentation.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/29/2018 MN Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687696 26508735 504895525 11743226 26508735-6297 05/07/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,983.95 and disclosure timing violations. The file was missing documentation verifying the borrower's consent to receive electronic documentation.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/29/2018 MN Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687696 26508735 504895525 11778347 26508735-23895 05/08/2019 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/06/19/2018) Evidence of earlier borrower receipt was not found in file.     Reviewer Comment (2019-05-22): AMC received an attestation the CD dated 9/15/17 does not belong to this file. It was omitted from testing. Seller Comment (2019-05-22): Disagree - The CD dated 9/15/2017 does not belong to this loan. The Loan ID# on the 9/15/17 CD has a Loan ID# of xxxxx and the loan ID for this particular loan is xxxx Reviewer Comment (2019-05-21): AMC reviewed exception. The exception is due to the 09/15/2017 CD signed by borrower. 3 LEs were provided to borrower after CD was delivered. As exception is due to timing there is not a cure. Seller Comment (2019-05-20): Signed LEs have been provided 05/22/2019     1 A 06/29/2018 MN Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687696 26508735 504895525 11778348 26508735-23895 05/08/2019 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/06/08/2018) Evidence of earlier borrower receipt was not found in file.     Reviewer Comment (2019-05-22): AMC received an attestation the CD dated 9/15/17 does not belong to this file. It was omitted from testing. Seller Comment (2019-05-22): CD in question does not belong to this loan please see the Loan ID# Reviewer Comment (2019-05-21): AMC reviewed exception. The exception is due to the 09/15/2017 CD signed by borrower. 3 LEs were provided to borrower after CD was delivered. As exception is due to timing there is not a cure. Seller Comment (2019-05-20): Signed LEs have been provided 05/22/2019     1 A 06/29/2018 MN Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687696 26508735 504895525 11778349 26508735-23895 05/08/2019 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/04/11/2018) Evidence of earlier borrower receipt was not found in file.     Reviewer Comment (2019-05-22): AMC received an attestation the CD dated 9/15/17 does not belong to this file. It was omitted from testing. Seller Comment (2019-05-22): CD in question does not belong to this loan please see the Loan ID# Reviewer Comment (2019-05-21): AMC reviewed exception. The exception is due to the 09/15/2017 CD signed by borrower. 3 LEs were provided to borrower after CD was delivered. As exception is due to timing there is not a cure. Seller Comment (2019-05-21): Signed LE's have been provided. 05/22/2019     1 A 06/29/2018 MN Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687696 26508735 504895525 11778350 26508735-7042 05/08/2019 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 previous and current lender are the same. The H-9 Right to Rescind should have been used.     Reviewer Comment (2019-05-21): Client elects to waive.     05/21/2019 2 B 06/29/2018 MN 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 Safe Harbor QM Safe Harbor QM Yes
206687696 26508735 504895525 11778598 26508735-25507 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,235.90 on Final Closing Disclosure provided on 06/26/2018 not accurate. (Final/06/26/2018) The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $5,235.90 on page 4; however the Insurance is $2,392.00 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.     Reviewer Comment (2019-05-21): AMC received PCCD and LOE. The Final CD is consistent with amounts on IEADS. Exception Cleared. Seller Comment (2019-05-20): Please see the attached COC and PCCD 05/21/2019     1 A 06/29/2018 MN 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
206687696 26508735 504895525 11778599 26508735-4673 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/26/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/794465) The final CD disclosed the amount of the monthly homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2,392.00 ($199.33 per month); however $225.09 per month was shown in section G. Provide a post-close CD correcting the monthly escrow and actual payment for the loan with a copy of the letter of explanation sent to the borrower disclosing the changes made.     Reviewer Comment (2019-05-21): AMC received PCCD and LOE. The Final CD is consistent with amounts on IEADS. Exception Cleared. Seller Comment (2019-05-20): Please see the attached COC and PCCD 05/21/2019     1 A 06/29/2018 MN Primary Refinance - Rate/Term 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
206687696 26508735 504895525 11778600 26508735-4612 05/08/2019 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 06/26/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/794465) The final CD disclosed the amount of the monthly homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2,392.00 ($199.33 per month); however $225.09 per month was shown in section G. Provide a post-close CD correcting the monthly escrow and actual payment for the loan with a copy of the letter of explanation sent to the borrower disclosing the changes made.     Reviewer Comment (2019-05-21): AMC received PCCD and LOE. The Final CD is consistent with amounts on IEADS. Exception Cleared. Seller Comment (2019-05-20): Please see the attached COC and PCCD 05/21/2019     1 A 06/29/2018 MN Primary Refinance - Rate/Term 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
206687697 26508736 504938320 11741870 26508736-7042 05/07/2019 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. Loan is a same lender refinance. Right to Cancel should be on the H-9 form.     Reviewer Comment (2019-05-22): Client elects to waive.     05/22/2019 2 B 08/27/2018 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 B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687697 26508736 504938320 11742125 26508736-23083 05/07/2019 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. (Eric/Perardi/2671122) The file is missing documentation to verify the start date for the borrower's self- employment to verify a 2 year employment history, as required by Appendix Q.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/27/2018 TX Primary Refinance - Rate/Term   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687697 26508736 504938320 11784328 26508736-7456 05/09/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Perardi,Eric T.A.P. Development LLC/S-Corp) The file is missing the 2017 personal and business tax returns. Evidence of extension provided in file for 2017 personal return. The file contained a copy of the 2016 and 2015 1040's and business returns.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/27/2018 TX Primary Refinance - Rate/Term   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687699 26508738 504940654 11758258 26508738-6297 05/08/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $7,480.00 and disclosure timing violations. Signed E-consent form not provided.     Reviewer Comment (2019-05-16): AMC received E Consent dated 06/26/2018. Exception Cleared. Seller Comment (2019-05-15): E-consent has been provided. 05/16/2019     1 A 07/20/2018 TX Primary Refinance - Cash-out - Home Improvement No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687699 26508738 504940654 11758297 26508738-4934 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller Change - Total Closing Costs TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/20/2018 incorrectly disclosed whether there was a change in the Total Closing Costs. (Final/07/20/2018) Calculating Cash to Close section Total Closing Costs (J) in the Loan Estimate read $-11,674.00 and Final CD reads $-11,795.00 and "Did this change?" is answered "No". This is incorrect a change did occur.     Reviewer Comment (2019-05-16): Tolerance exceptions have been addressed. Exception Cured.   05/16/2019   2 B 07/20/2018 TX Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687699 26508738 504940654 11758300 26508738-23897 05/08/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/11/2018 received on or after the date the Closing Disclosure 7/13/2018 12:00:00 AM was received. (Interim/07/11/2018) LE issued on 07/11/18 is missing the date borrower received.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/20/2018 TX Primary Refinance - Cash-out - Home Improvement No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687699 26508738 504940654 11781281 26508738-7456 05/09/2019 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 06/26/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Jensen,Dale Weaver & Tidwell Associates L.L.P./Schedule K-1 less than 25 Percent) Tax extension in file for 2017. 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 (2019-05-17): Client elects to waive     05/17/2019 2 B 07/20/2018 TX Primary Refinance - Cash-out - Home Improvement   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687699 26508738 504940654 11781282 26508738-4372 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/20/2018 incorrectly disclosed whether the loan contains a Demand Feature. (Final/07/20/2018) The final CD states the loan has a demand feature.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/20/2018 TX Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687699 26508738 504940654 11781283 26508738-7042 05/09/2019 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. Per the title commitment the loan is a lender to lender refinance, ROR form H-8 was used, should use H-9.     Reviewer Comment (2019-05-30): The lender provided Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Confirmed the borrower has accepted the transaction Reviewer Comment (2019-05-24): UPS verified delivery on 5/23/2019, expiration will be midnight 5/29/2019 clear 5/30/2019 Seller Comment (2019-05-22): Attached please find Right to Cancel document   05/30/2019   2 B 07/20/2018 TX Primary Refinance - Cash-out - Home Improvement 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
206687699 26508738 504940654 11804121 26508738-6583 05/10/2019 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 $79.67 exceeds tolerance of $65.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)           05/10/2019   1 A 07/20/2018 TX Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687702 26508742 504849594 11743454 26508742-1000 05/07/2019 Compliance Compliance Federal Compliance Interest Dividend Income Qualified Mortgage (Dodd-Frank 2014): Continuation of Interest/Dividend income supported with sufficient verified assets requirement not met. (xxxxx/Schedule B) Charles Schwab assets not provided.     Reviewer Comment (2019-05-29): Required down payment funds sourced from other accounts, no impact on projected interest/dividend income. Seller Comment (2019-05-24): Appendix Q section B states: Subtract any funds that are derived from these sources, and are required for the cash investment, before calculating the projected interest or dividend income. Borrower has three xxx accounts, with only one of those accounts showing deposits from xxxx. The account showing deposits from xxxx was xxxx account #xxxx. This account had a substantial balance of $547,981.71 in available funds, however those funds were not needed for closing, as borrower had sufficient verified assets in her other two xxx accounts #xxxx and #xxxx Closing Disclosure reflects funds required from closing of $123,640.27. Borrower had $30,084.04 in xxxx account #xxx and $143,773.66 in xxx account #xxx to easily cover the funds required at closing, leaving approximately $50,200 in those two accounts available for reserves, as well as funds of $547,981 in xxxx#xxxxaccount, although reserves were not required for the transaction. As the reviewer states, interest/dividends calculate to a significantly higher amount than what was used by the underwriter. Funds from Schwab account were not used at closing for the cash investment to be subtracted before calculating the projected interest/dividend income. Income calculation was very conservative and based on a 24 month average of ordinary dividends reported on line 9a of borrower�s 2016 and 2017 personal tax returns. $127,380 2016 $152,881 2017 $280,261 / 24 = $11,677.54 / rounded down to $11,677.50 per month Seller Comment (2019-05-23): Disagree. Since deposited funds from the Charles Schwab account are not required for cash investment, no subtraction/adjustment to the borrower�s investments is needed to recalculate/forecast dividend income. Borrower has in excess of $700K in their depository account. Reviewer Comment (2019-05-23): Appendix Q section B: Subtract any funds that are derived from these sources, and are required for the cash investment, before calculating the projected interest or dividend income. Cash to close are coming from Chase Acct #66735 showing deposits from Chartres Schwas Brokerage Moneylink. Our interest /dividends income consultations for 2 years are $19,881.50 however final 1003 reads income used for qualifications are $11,677.50. Provide lender income calculation worksheet. Exceptions remains. Seller Comment (2019-05-21): File contained tax returns for most recent two years to verify a two-year history of receipt of interest and dividend income as required per Appendix Q. Page one of the two most recent year tax returns from the file are attached and support the monthly qualifying income based on a two year average. Asset statements are a xxxx overlay and not required per the following Appendix Q requirement: II. Non-Employment Related Consumer Income B. Investment and Trust Income. 1. Analyzing Interest and Dividends. a. Interest and dividend income may be used as long as tax returns or account statements support a two-year receipt history. This income must be averaged over the two years. 05/29/2019     1 A 10/30/2018 MI Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687702 26508742 504849594 11743455 26508742-4436 05/07/2019 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/09/28/2018) Evidence of borrower's receipt of either appraisal was not provided in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/30/2018 MI Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687702 26508742 504849594 11743541 26508742-3867 05/07/2019 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. Income not properly documented. No asset statements were provided from xxxlisted on the schedule B for I/D income     Reviewer Comment (2019-05-29): SHQM Loan. Required down payment funds sourced from other accounts Seller Comment (2019-05-24): Appendix Q section B states: Subtract any funds that are derived from these sources, and are required for the cash investment, before calculating the projected interest or dividend income. Borrower has three Chase accounts, with only one of those accounts showing deposits from xxxxx. The account showing deposits from Schwab was Chase account #xxxx. This account had a substantial balance of $547,981.71 in available funds, however those funds were not needed for closing, as borrower had sufficient verified assets in her other two xxxx accounts #xxxx and #xxxx. Closing Disclosure reflects funds required from closing of $123,640.27. Borrower had $30,084.04 in xxxx account #xxx and $143,773.66 in xxxx account #xxx to easily cover the funds required at closing, leaving approximately $50,200 in those two accounts available for reserves, as well as funds of $547,981 in xxx #xxxx account, although reserves were not required for the transaction. As the reviewer states, interest/dividends calculate to a significantly higher amount than what was used by the underwriter. Funds from xxxx account were not used at closing for the cash investment to be subtracted before calculating the projected interest/dividend income. Income calculation was very conservative and based on a 24 month average of ordinary dividends reported on line 9a of borrower�s 2016 and 2017 personal tax returns. $127,380 2016 $152,881 2017 $280,261 / 24 = $11,677.54 / rounded down to $11,677.50 per month Seller Comment (2019-05-23): Disagree. Since deposited funds from the xxxx account are not required for cash investment, no subtraction/adjustment to the borrower�s investments is needed to recalculate/forecast dividend income. Borrower has in excess of $700K in their depository account. Reviewer Comment (2019-05-23): Appendix Q section B: Subtract any funds that are derived from these sources, and are required for the cash investment, before calculating the projected interest or dividend income. Cash to close are coming from Chase Acct #66735 showing deposits from Chartres Schwas Brokerage Moneylink. Our interest /dividends income consultations for 2 years are $19,881.50 however final 1003 reads income used for qualifications are $11,677.50. Provide lender income calculation worksheet. Exceptions remains. Seller Comment (2019-05-21): File contained tax returns for most recent two years to verify a two-year history of receipt of interest and dividend income as required per Appendix Q. Page one of the two most recent year tax returns from the file are attached and support the monthly qualifying income based on a two year average. Asset statements are a xxxx overlay and not required per the following Appendix Q requirement: II. Non-Employment Related Consumer Income B. Investment and Trust Income. 1. Analyzing Interest and Dividends. a. Interest and dividend income may be used as long as tax returns or account statements support a two-year receipt history. This income must be averaged over the two years. 05/29/2019     1 A 10/30/2018 MI Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687702 26508742 504849594 11743542 26508742-4826 05/07/2019 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 10/30/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/30/2018) Seller paid Transfer Tax is creating zero percent tolerance violations.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/30/2018 MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687702 26508742 504849594 11743543 26508742-4866 05/07/2019 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. Evidence of the receipt of the Home Loan Kit was provided at close. Evidence of borrower's earlier receipt was not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/30/2018 MI Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687702 26508742 504849594 11782394 26508742-4436 05/09/2019 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:Secondary/09/22/2018) Evidence of borrower's receipt of the appraisals was not included in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/30/2018 MI Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687702 26508742 504849594 11782395 26508742-25580 05/09/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/28/2018) Evidence of borrower's receipt of the appraisals was not included in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/30/2018 MI Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687703 26508744 504947233 11758960 26508744-1003 05/08/2019 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 25% Ownership) income. (xxxxx, LP/Schedule K-1 less than 25 Percent)       Reviewer Comment (2019-05-17): xxxx is an IRA/xxxx reporting losses and would not have a P&L or balance sheet, this loss also does not report on the 1040's and is only a $17 loss and is being removed. Seller Comment (2019-05-14): Please see the attached documentation: 2017 K1, signed personal returns and Transcripts. Please see 2016 Tax returns schedule E, it does not reflect the business. Seller Comment (2019-05-14): Please see the attached signed tax returns. K1 provided for 2017 however xxxxx does not appear on 2016 Tax Returns. 05/17/2019     1 A 08/07/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687703 26508744 504947233 11758963 26508744-4436 05/08/2019 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/07/25/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/07/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687703 26508744 504947233 11758967 26508744-3867 05/08/2019 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 K-1s.     Reviewer Comment (2019-05-17): Sxxxx is an IRA/xxxx reporting losses and would not have a P&L or balance sheet, this loss also does not report on the 1040's and is only a $17 loss and is being removed. Seller Comment (2019-05-15): Please see the attached 2017 K, signed personal Tax Returns and Transcripts. 2016 Tax Returns. They do no reflect business on schedule E therefore K 1 is not available. 05/17/2019     1 A 08/07/2018 CA 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
206687703 26508744 504947233 11758971 26508744-4850 05/08/2019 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 08/07/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/07/2018) The final CD reflects the total closing costs exceed the legal limit by 11.10.     Reviewer Comment (2019-05-15): AMC reviewed 08/06 COC. Exception Cleared. 05/15/2019     1 A 08/07/2018 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
206687703 26508744 504947233 11758972 26508744-7038 05/08/2019 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/08/02/2018) The only signed and dated CD we have in file is the final CD which is dated 8/07/2018.     Reviewer Comment (2019-05-15): AMC received Disclosure Tracking indicating the 08/02 CD was received 08/03. Exception Cleared. Seller Comment (2019-05-14): 5/13/19- Initial CD was provided on 8/2/18 and acknowledged by the borrowers on 8/3/18.. See uploaded Loan Summary section labeled Disclosure Document History 05/15/2019     1 A 08/07/2018 CA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687703 26508744 504947233 11758973 26508744-6543 05/08/2019 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 $450.00 exceeds tolerance of $399.00 plus 10% or $438.90. Insufficient or no cure was provided to the borrower. (0) The ten percent tolerance violation was exceeded and no cure was provided.     Reviewer Comment (2019-05-10): A PCCD dated 8/15/2018 provided the cure of $11.10   05/10/2019   2 B 08/07/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687703 26508744 504947233 11758974 26508744-6542 05/08/2019 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 $2,787.07 exceeds tolerance of $2,391.18. Insufficient or no cure was provided to the borrower. (7200) The loan discounts points fee exceeds the zero percent tolerance and no cure was provided. The initial COC changed the fee to $2787.00 however on 8/6/2018 the CD reduced the fee to $2391.18 but closed on the final CD at a cost of $2787.07     Reviewer Comment (2019-05-15): AMC reviewed 08/06 COC. Exception Cleared. Seller Comment (2019-05-14): 5/13/19- Per COC and rate lock History the discount was changed back to $2787.07 on 8/6/18 when the rate was changed to 4.75% and lock extended.. See Loan Summary uploaded with information highlighted. 05/15/2019     1 A 08/07/2018 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 Safe Harbor QM Safe Harbor QM Yes
206687703 26508744 504947233 11808390 26508744-4436 05/10/2019 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:Secondary/07/30/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/07/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687703 26508744 504947233 11813788 26508744-1048 05/10/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/07/2018 CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687703 26508744 504947233 11813790 26508744-6623 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 08/07/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/08/07/2018) The final CD did not list a Lender contact persons name.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/07/2018 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
206687703 26508744 504947233 11887296 26508744-6582 05/15/2019 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 $450.00 exceeds tolerance of $399.00 plus 10% or $438.90. Sufficient or excess cure was provided to the borrower at Closing. (0) A cure was provided on Final CD. Exception Cured.         05/15/2019   1 A 08/07/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687704 26508746 504975728 11759473 26508746-3126 05/08/2019 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. Missing     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/27/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687704 26508746 504975728 11760010 26508746-3136 05/08/2019 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 date provided is more than 3 business days from the application date 8/27/2018     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/27/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687704 26508746 504975728 11760011 26508746-6623 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 09/27/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/09/27/2018) Contact information is missing     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/27/2018 NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687704 26508746 504975728 11760013 26508746-4866 05/08/2019 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 more than three days after the application dated 8/27/2018     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/27/2018 NC Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687704 26508746 504975728 11760015 26508746-3907 05/08/2019 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/08/31/2018) The application is dated 8/27/2018 whereas the initial LE provided is dated 8/31/2018 which is more than 3 business days     Reviewer Comment (2019-05-17): The intent to proceed is dated /31/2018 Seller Comment (2019-05-17): See attached loan summary which demonstrate application date and disclosure delivery timeliness 05/17/2019     1 A 09/27/2018 NC Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687704 26508746 504975728 11760016 26508746-4916 05/08/2019 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. Provided more than three days after the application dated 8/27/2018     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/27/2018 NC Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687704 26508746 504975728 11760017 26508746-6542 05/08/2019 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 $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) No cure provided.     Reviewer Comment (2019-05-17): Replaced by another Reviewer Comment (2019-05-17): The PCCD provided dated 5/15/2019 moved the Survey fee of $475.00 from section C as originally disclosed on all CD but moved this to section B and tested against a 10% tolerance. This was not a fee paid to anyone entity on the SSPL and needed to stay in section C and a cure to the borrower of $475.00 is required. This is not listed as a title fee and is therefore subject to the Zero Percent testing. Seller Comment (2019-05-17): See attached Post Consummation CD 05/17/2019     1 A 09/27/2018 NC 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
206687704 26508746 504975728 11761308 26508746-4826 05/08/2019 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 09/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/27/2018) No cure provided     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/27/2018 NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687704 26508746 504975728 11783498 26508746-24789 05/09/2019 Compliance Compliance Federal Compliance Federal LO Compensation Dual Compensation Dodd Frank Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer.       Reviewer Comment (2019-05-21): Lender states the rate fee was paid to lender and not broker and provided a fee break down. Seller Comment (2019-05-20): 5/20/19- Fees withheld from the mortgage/loan amount are paid to xxxxx. The $3660 Lender paid Compensation is paid to the broker and is added to the Mortgage /Loan amount. Review Funding Breakdown uploaded. Reviewer Comment (2019-05-17): Section 800 lists loan discount paid of $1478.64 and YSP of $3660. The issue is there is no indication who received the $1478.64, lender or the broker. This is the issue with the dual compensation Seller Comment (2019-05-14): Disagree with finding. Please see attached funding disbursement which demonstrates that the funds were withheld. 05/21/2019     1 A 09/27/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687704 26508746 504975728 11798652 26508746-19966 05/09/2019 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. Provided more than three days after the application dated 8/27/2018     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/27/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687704 26508746 504975728 11798653 26508746-19967 05/09/2019 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. Provided more than three days after the application dated 8/27/2018     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/27/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687704 26508746 504975728 11925275 26508746-25319 05/17/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 09/27/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687704 26508746 504975728 11925640 26508746-6545 05/17/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $475.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7723) The PCCD provided dated 5/15/2019 moved the Survey fee of $475.00 from section C as originally disclosed on all CD but moved this to section B and tested against a 10% tolerance. This was not a fee paid to anyone entity on the SSPL and needed to stay in section C and a cure to the borrower of $475.00 is required. This is not listed as a title fee and is therefore subject to the Zero Percent testing.     Reviewer Comment (2019-05-21): Client elects to waive.     05/21/2019 2 B 09/27/2018 NC Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687705 26508749 504923508 11752708 26508749-23086 05/07/2019 Credit Assets Asset Calculation / Analysis Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of $200,204.97 is less than Cash From Borrower $210,581.31.       Reviewer Comment (2019-05-17): One of the Edward accounts was a cash account and not subject to any reduction of value then supporting the total funds available to close Seller Comment (2019-05-14): Disagree: US Bank: $4794.99+ US Bank $89005.85 + Retirement Fund Edward Jones $28809.24 + Money Market $99038.30 + Edward Jones $26260.81= $247909.19. Calculation: Available assets: $247909.19. Required cash to close: $201081.31+$43917.78 (reserves required PITIA $32160.30 + additional property $11757.48). Required assets Total $244999.09- Available assets $247909.19= $2910.10. Borrower is sufficient funds to close. 05/17/2019     1 A 07/20/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687705 26508749 504923508 11753124 26508749-7456 05/07/2019 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 05/18/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) A copy of a 2017 Tax extension request was provided in the loan file, however, the 2017 1040's were not provided.     Reviewer Comment (2019-05-17): Client elects to waive Seller Comment (2019-05-14): Please see the attached 2017 1040 Tax Extension. 2017 1040s Tax Returns are not required due there being an extension for 2017.     05/17/2019 2 B 07/20/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687705 26508749 504923508 11753132 26508749-6543 05/07/2019 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 $234.00 exceeds tolerance of $193.00 plus 10% or $212.30. Insufficient or no cure was provided to the borrower. (0) Recording fees increased from $193.00 to $234.00 in excess of the 10% tolerance amount of $212.30; this required a cure of $21.70     Reviewer Comment (2019-05-16): AMC reviewed exception. The purchase agreement indicates seller to pay own fees. Exception Cleared. Seller Comment (2019-05-14): Disagree - Borrower was disclosed $193, however the borrower was only charged $142. Seller paid recording fee is required for their transaction and is not subjected to tolerance testing. 05/16/2019     1 A 07/20/2018 MN 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
206687705 26508749 504923508 11759350 26508749-4264 05/08/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Guidelines required 6 months for subject property and 6 months for departing residence.     Reviewer Comment (2019-05-17): The borrower has funds for both reserves and closing that are sufficient Seller Comment (2019-05-14): Available assets: $247909.19. Required cash to close: $201081.31+$43917.78 (reserves required PITIA $32160.30 + additional property $11757.48). Required assets Total $244999.09- Available assets $247909.19= $2910.10. Borrower is sufficient funds to close. 05/17/2019     1 A 07/20/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687705 26508749 504923508 11759353 26508749-4265 05/08/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Debt service months discrepancy. Calculated debt service months reserves of 0.00 is less than Guideline debt service months reserves of 12.00.       Reviewer Comment (2019-05-17): The borrower has funds for both reserves and closing that are sufficient Seller Comment (2019-05-14): Available assets: $247909.19. Required cash to close: $201081.31+$43917.78 (reserves required PITIA $32160.30 + additional property $11757.48). Required assets Total $244999.09- Available assets $247909.19= $2910.10. Borrower is sufficient funds to close. 05/17/2019     1 A 07/20/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687705 26508749 504923508 11811767 26508749-5404 05/10/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxx (2017), Tax Return Extension (for Business) (2017) The file did not include a copy of the 2017 1120S and/or 1120S Tax Extension request form.     Reviewer Comment (2019-05-21): This was a duplicate issue addressed at compliance Seller Comment (2019-05-20): 05/20/2019 Disagree. The file contains evidence that the borrower had filed tax extensions in 2015 & 2016 for his business. There's also evidence that the borrower filed for extension in 2017. The borrower's business is an S-Corp so the corporation income passes through to the borrower's personal return. The file contains reasonable evidence to support that the borrower filed again for an extension. 05/21/2019     1 A 07/20/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687706 26508750 504968361 11761375 26508750-6542 05/08/2019 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 $175.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (7552) Page 4 of final CD states total closing costs exceed legal limit by $25.     Reviewer Comment (2019-05-11): The lender provided a cure of $25.00 at closing for the fee failure   05/11/2019   2 B 08/25/2018 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
206687707 26508752 504957017 11755019 26508752-24188 05/07/2019 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 $900.00 on Final Closing Disclosure provided on 08/30/2018 not accurate. (Final/08/30/2018) Estimated Property Costs over Year 1 of $900 on Final Closing Disclosure provided on 8/30/18; However the appraisal does not list any HOA nor listed as a PUD even though there is a PUD rider.     Reviewer Comment (2019-05-23): AMC received updated appraisal indicating HOA Dues of $900/year. Exception Cleared. Seller Comment (2019-05-22): See attached updated appraisal showing PUD and HOA fees 05/23/2019     1 A 08/30/2018 TX 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
206687707 26508752 504957017 11755021 26508752-7039 05/07/2019 Compliance Compliance Federal Compliance Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. The H-9 form was used, the H-8 form should have been used. The transaction is lender to lender.     Reviewer Comment (2019-05-16): Data reviewed at the initial review was captured incorrectly, After capturing the correct data exception was canceled. Exception canceled.. Seller Comment (2019-05-13): Disagree - The Notice of Right to Cancel was executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The form provided is substantially similar to the H-9 form. The form used is acceptable.       1 A 08/30/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687707 26508752 504957017 11755041 26508752-24490 05/07/2019 Compliance Compliance Federal Compliance Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.     Reviewer Comment (2019-05-22): Provided Seller Comment (2019-05-22): See attached 05/22/2019     1 A 08/30/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687707 26508752 504957017 11755196 26508752-3136 05/07/2019 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 7/27/18, disclosure provided on 8/2/18     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/30/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687707 26508752 504957017 11755264 26508752-4436 05/07/2019 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/08/07/2018) 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.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/30/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687707 26508752 504957017 11755265 26508752-4997 05/07/2019 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 08/30/2018 incorrectly disclosed whether there was a change in the Funds for Borrower. (Final/08/30/2018) Calculating Cash to Close: Final Closing Disclosure provided on 08/30/2018 incorrectly disclosed whether there was a change in the Funds for Borrower.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/30/2018 TX 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
206687707 26508752 504957017 11795446 26508752-25507 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 17,388.24 on Final Closing Disclosure provided on 08/30/2018 not accurate. (Final/08/30/2018) Taxes $13,120.28 per cert and HOI $4717.49 for a total of $17,837.84     Reviewer Comment (2019-05-16): AMC received tax cert. Exception Cleared. Seller Comment (2019-05-15): See attached Insurance and Tax Bill used 05/16/2019     1 A 08/30/2018 TX 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
206687707 26508752 504957017 11795448 26508752-4673 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/30/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/795572) The monthly payment with taxes and insurance are $1486.49 but the final and PCCD list the month escrow as $1524.02     Reviewer Comment (2019-05-16): AMC received tax cert. Exception Cleared. Seller Comment (2019-05-15): See insurance and tax documentation provided 05/16/2019     1 A 08/30/2018 TX Primary Refinance - Rate/Term 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
206687707 26508752 504957017 11795449 26508752-4612 05/09/2019 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 08/30/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/795572) The monthly payment with taxes and insurance are $1486.49 but the final and PCCD list the month escrow as $1524.02     Reviewer Comment (2019-05-16): AMC received tax cert. Exception Cleared. Seller Comment (2019-05-15): See tax and insurance documentation provided 05/16/2019     1 A 08/30/2018 TX Primary Refinance - Rate/Term 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
206687709 26508755 504962039 11768907 26508755-6677 05/08/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxxx/2678538) 1 year gap of employment not addressed by lender. Borrower left job 3/11/16 and started new job 4/17/18. Per guidelines, a letter of explanation must be provided.     Reviewer Comment (2019-05-17): LOE provided Seller Comment (2019-05-14): Please see the LOE. Document located in the file. 05/17/2019     1 A 09/13/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687709 26508755 504962039 11768908 26508755-3867 05/08/2019 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. Gap in employment not documented     Reviewer Comment (2019-05-17): LOE for employment gap moves the loan to SHQM Seller Comment (2019-05-14): Please see the attached LOE. Document was located in the file 05/17/2019     1 A 09/13/2018 TX 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
206687709 26508755 504962039 11768909 26508755-25503 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 22,078.08 on Final Closing Disclosure provided on 09/11/2018 not accurate. (Final/09/11/2018) Under disclosed on CD . Verified taxes- $17,740.44; Hazard $2,977.00; HOA $2710.00. Total $23427.44. Per CD $22078.08.     Reviewer Comment (2019-05-28): A PCCD was provided correcting the cost year 1 estimate Seller Comment (2019-05-28): LOX is attached, please review Reviewer Comment (2019-05-16): AMC received PCCD correcting total property costs. Please provide LOE to cure. Seller Comment (2019-05-15): Please see the attached PCCD   05/28/2019   2 B 09/13/2018 TX 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
206687709 26508755 504962039 11768911 26508755-4850 05/08/2019 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 09/11/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/11/2018) The Final CD did not disclose an amount of fees exceeding the legal limit, however, fee violations totaled $119.32 (Tax cert for $89.32 and Wire fee of $30.00 were not disclosed on LE). Please provide a Post Consummation CD reflecting the change, along with a copy of the check and proof of delivery to the borrower.     Reviewer Comment (2019-05-14): Tolerance exception are addressed. Exception Cleared. 05/14/2019     1 A 09/13/2018 TX 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
206687709 26508755 504962039 11768912 26508755-6542 05/08/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $89.32 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77188) Not disclosed on LE. Please provide a Post Consummation CD reflecting the cure, along with a copy of the check and proof of delivery to the borrower.     Reviewer Comment (2019-05-14): Fee was paid to same provider. Exception Cleared. Seller Comment (2019-05-13): Disagree - Borrower was disclosed $4274, however was only charged $3343.20 on the Final CD. The title fees are 10% and are tested as an aggregate. No violation occurred. 05/14/2019     1 A 09/13/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687709 26508755 504962039 11768913 26508755-6542 05/08/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) Not disclosed on LE. Please provide a Post Consummation CD reflecting the cure, along with a copy of the check and proof of delivery to the borrower.     Reviewer Comment (2019-05-14): Fee was paid to same provider. Exception Cleared. Seller Comment (2019-05-13): Disagree - Borrower was disclosed $4274, however was only charged $3343.20 on the Final CD. The title fees are 10% and are tested as an aggregate. No violation occurred. 05/14/2019     1 A 09/13/2018 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687709 26508755 504962039 11927936 26508755-25319 05/17/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 09/13/2018 TX Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687710 26508757 504979159 11768422 26508757-25838 05/08/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxx HOA Verification, Insurance Verification, Statement, Tax Verification REO Documents supporting the PITIA expense of the borrowers' second property on Mountain Holly Ave was not provided in the loan file and is required per Lender guides.     Reviewer Comment (2019-05-15): Mortgage statement was providing confirming escrowed payments. Condition is cleared. Seller Comment (2019-05-13): Disagree. The file contains the attached mortgage statement from Home Point Financial documenting the payment includes escrows. 05/15/2019     1 A 10/10/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687710 26508757 504979159 11768505 26508757-4436 05/08/2019 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/09/17/2018) No evidence was provided indicating when the borrower's received either appraisal.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/10/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687710 26508757 504979159 11785643 26508757-1330 05/09/2019 Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Missing Unable to determine Homeownership Counseling List was provided due to missing information. Disclosure contains no dates and evidence of borrower's receipt was not located in the file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/10/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687710 26508757 504979159 11786314 26508757-3831 05/09/2019 Credit Credit Miscellaneous Credit Exception:   Per the 1003 and final 1008, a debt was included from Citizens Bank with a payment of $1,437.72 and balance of $74,008. This is not reported on the credit report. The file is missing evidence of the terms of this debt to support the payment used to qualify.     Reviewer Comment (2019-05-20): The promissory note was provided supporting the payment and showing the collateral was a boat and trailer Seller Comment (2019-05-17): Disagree. The file contains the attached Promissory Note from Citizens Business Bank documenting the terms of the loan. 05/20/2019     1 A 10/10/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687711 26508758 504902610 11770161 26508758-22166 05/08/2019 Property Property - Appraisal Appraisal Data Integrity Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 07/21/2018 Copy of license in file expired 04/30/18, prior to the report date.     Reviewer Comment (2019-05-15): License documentation was provided. Condition is cleared. Seller Comment (2019-05-13): The Appraiser lists the Expiration Date of Certification or License as 04/30/2019 (page 6 of report). See the attached printout from the State of Connecticut License Lookup which verifies the Appraiser has been licensed since 10/13/2006 and the current expiration date is 04/30/2020. 05/15/2019     1 A 08/15/2018 CT Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687711 26508758 504902610 11785163 26508758-18604 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 08/15/2018 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.) (Final/08/15/2018) The loan file is missing a Seller's CD and on the borrower's Final CD, there are no seller fees noted.     Reviewer Comment (2019-05-16): Seller CD provided. Seller Comment (2019-05-14): 5/13/19-Seller Fees disclosed on the Seller CD are fees required to be paid by the seller as part of their transaction and is not required to be disclosed on the Buyer's CD. Please see seller CD attached. 05/16/2019     1 A 08/15/2018 CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206687711 26508758 504902610 11893930 26508758-4826 05/16/2019 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 08/15/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/15/2018) Transfer Tax. Fee typically paid by Seller in CT     Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 08/15/2018 CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
206687713 26508760 504951280 11785874 26508760-7038 05/09/2019 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/08/20/2018) The Closing disclosure was not provided to the borrower within 3 business days of closing.     Reviewer Comment (2019-05-21): Evidence of earlier receipt Seller Comment (2019-05-21): The Signed 3 day CD has been provided and meets the 3 day wait period. 05/21/2019     1 A 08/24/2018 CO Primary Refinance - Rate/Term No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687715 26508767 504979365 11763964 26508767-25838 05/08/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxx Statement Mortgage statement missing for xxxx to determine if Escrows are paid with mortgage.     Reviewer Comment (2019-05-16): Received verification of PITI. Seller Comment (2019-05-13): Disagree the mortgage statement is required. The attached credit report indicates the Third Federal S&L loan is a HELOC which would not include escrows. The file contains the attached tax statement and insurance policy for xxxx documenting a monthly housing expense of $930.13 which is less than the $949.06 used to qualify. 05/16/2019     1 A 10/25/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687715 26508767 504979365 11766149 26508767-25503 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,762.48 on Final Closing Disclosure provided on 10/25/2018 not accurate. (Final/10/25/2018) Calculated costs are $834.59 taxes, $351.33 hazard and $125 HOA totaling $1310.92. Final CD reflects $1313.54     Reviewer Comment (2019-05-13): AMC received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2019-05-10): Attached please find post consummation closing disclosure   05/13/2019   2 B 10/25/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687715 26508767 504979365 11791827 26508767-3879 05/09/2019 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. Disclosure in file is not dated     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/25/2018 FL Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687717 26508770 504947040 11785658 26508770-7456 05/09/2019 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 07/09/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/Partnership) 2017 tax extension has been filed. 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 (2019-05-17): Client elects to waive     05/17/2019 2 B 08/07/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687717 26508770 504947040 11785660 26508770-7456 05/09/2019 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 07/09/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxx/C-Corp 1120) 2017 tax extension has been filed. 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 (2019-05-17): Client elects to waive     05/17/2019 2 B 08/07/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687717 26508770 504947040 11785661 26508770-7456 05/09/2019 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 07/09/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/Partnership) 2017 Business tax extension was 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 (2019-05-17): Client elects to waive     05/17/2019 2 B 08/07/2018 TX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687717 26508770 504947040 11785665 26508770-6542 05/09/2019 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 $81.89 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. (7520) Final CD disclosed an amount of $6.89 to cure violation.     Reviewer Comment (2019-05-10): A cur eof 6.89 provided at closing.   05/10/2019   2 B 08/07/2018 TX 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
206687717 26508770 504947040 11785866 26508770-4828 05/09/2019 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 08/07/2018 incorrectly disclosed whether there was a change in the Seller Credit. (Final/08/07/2018) Final Closing Disclosure provided on 08/07/2018 incorrectly disclosed there was a change in the Seller Credit. Due to rounding.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/07/2018 TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687717 26508770 504947040 11818215 26508770-6583 05/10/2019 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 $81.89 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Sufficient or excess cure was provided to the borrower at Closing         05/10/2019   1 A 08/07/2018 TX Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687718 26508772 504956628 11785389 26508772-3867 05/09/2019 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. Income used to qualify with history of less than two full years     Reviewer Comment (2019-05-17): Final 1008 in the initial review this income was not used. Exception canceled. Seller Comment (2019-05-13): There was no income used to qualify from xxxx. See attached 1008 Transmittal and Self-Employed Worksheet which verifies all income to quailfy was the $19,123.32 from Pinnacle Peak Recovery, LLC.       1 A 08/03/2018 AZ Primary Purchase Lender to provide updated ATR/QM status C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687718 26508772 504956628 11785394 26508772-6294 05/09/2019 Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Esign Consent Agreement Timing ESIGN Act - Closing Disclosure provided on 07/31/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. (Initial/07/31/2018) CD reflects the Borrower electronically signed on 7/31/2017. Lender to provide corrected CD showing Borrower's signature 7/31/2018.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 AZ Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687718 26508772 504956628 11795858 26508772-23387 05/09/2019 Credit System General Flood Certificate Subject Address does not match Note address.   Flood Certificate reflects the property's Zip Code as xxxx; the Note address reflects the Zip is xxxx. Lender to provide revised Flood Certificate reflecting the address shown on the Promissory Note.     Reviewer Comment (2019-05-15): Flood Certificate with correct zip code was provided. Condition is cleared. Seller Comment (2019-05-13): See attached Flood Cert with zip code of xxxx. 05/15/2019     1 A 08/03/2018 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687718 26508772 504956628 11796067 26508772-4436 05/09/2019 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/07/25/2018) No evidence in file as to when, if ever, the Borrower received a copy of the appraisal. Lender to provide evidence of timely delivery/     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/03/2018 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687718 26508772 504956628 11797045 26508772-7455 05/09/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Tisdale,Tyler Stepping Stones Recovery LLC/S-Corp) The secondary business has not been reporting for a period of two years as required by Appendix Q for income used.     Reviewer Comment (2019-05-17): Final 1008 in the initial review this income was not used. Exception canceled. Seller Comment (2019-05-13): There was no income used to qualify from xxxx, LLC. See attached 1008 Transmittal and Self-Employed Worksheet which verifies all income to quailfy was the $19,123.32 from xxxx, LLC.       1 A 08/03/2018 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687718 26508772 504956628 11797046 26508772-4370 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - Before Closing TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/03/2018 disclosed Total Closing Costs (Paid by Seller Before Closing) that does not match sum of fees. (Final/08/03/2018) The Seller CD updated the property taxes paid before closing figure, creating a Clarity screen calculation error. The Seller Paid before Closing is accurate per the Buyer's CD.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687718 26508772 504956628 11797047 26508772-23897 05/09/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/19/2018 received on or after the date the Closing Disclosure 7/31/2018 12:00:00 AM was received. (Initial/07/19/2018) CD dated 7/31/18 shows the Borrower signed the document on 7/31/2017. Lender to provide 7/31/18 CD accurately signed by Borrower.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 AZ Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687718 26508772 504956628 11797048 26508772-23897 05/09/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/20/2018 received on or after the date the Closing Disclosure 7/31/2018 12:00:00 AM was received. (Interim/07/20/2018) CD dated 7/31/18 shows the Borrower signed the document on 7/31/2017. Lender to provide 7/31/18 CD accurately signed by Borrower.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 AZ Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687718 26508772 504956628 11797049 26508772-23897 05/09/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/26/2018 received on or after the date the Closing Disclosure 7/31/2018 12:00:00 AM was received. (Interim/07/26/2018) CD dated 7/31/18 shows the Borrower signed the document on 7/31/2017. Lender to provide 7/31/18 CD accurately signed by Borrower.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 AZ Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687718 26508772 504956628 11926508 26508772-25319 05/17/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 08/03/2018 AZ Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687720 26508774 504963032 11791195 26508774-6297 05/09/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,830.61 and disclosure timing violations. No evidence of consent to electronic disclosure by lender provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/01/2018 IL Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687720 26508774 504963032 12010061 26508774-25319 05/23/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-24): Client elects to waive     05/24/2019 2 B 10/01/2018 IL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687721 26508775 504910987 11784552 26508775-25503 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,164.12 on Final Closing Disclosure provided on 11/30/2018 not accurate. (Final/11/30/2018) The final CD reflects property costs over one year of $16,164.12, however actual amount should reflect $18,329.74.(Annual Tax, Insurance, and HOA).     Reviewer Comment (2019-05-20): Received tax cert. Seller Comment (2019-05-17): Tax cert has been provided Seller Comment (2019-05-17): Disagree, The final CD dated 11/30/18 shows monthly amounts: Hazard Insurance of $237.81, Taxes of $1036.28 and HOA of $72.92 for a total monthly of $1347.01 and yearly costs of $16,164.12. 05/20/2019     1 A 11/30/2018 TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687721 26508775 504910987 11784553 26508775-6583 05/09/2019 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 $35.58 exceeds tolerance of $25.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) A cure of $10.58 is reflected which is sufficient to cure the 0% tolerance violation.         05/09/2019   1 A 11/30/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687722 26508777 504970586 11780804 26508777-3867 05/09/2019 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 file is missing a P&L from March 2018 to August 2018     Reviewer Comment (2019-05-18): P&L provided. Exception cleared. Seller Comment (2019-05-14): Please see the attached P & L. 05/18/2019     1 A 10/05/2018 MN Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687722 26508777 504970586 11780805 26508777-6623 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 10/05/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/10/05/2018) Lender Contact Information not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/05/2018 MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687722 26508777 504970586 11780806 26508777-4866 05/09/2019 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 at closing.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/05/2018 MN Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687722 26508777 504970586 11781166 26508777-7453 05/09/2019 Compliance Compliance Federal Compliance C-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (C-Corp). (xxxx/C-Corp 1120)       Reviewer Comment (2019-05-18): P&L provided. Exception cleared. Seller Comment (2019-05-14): Please see the attached P & L. 05/18/2019     1 A 10/05/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687722 26508777 504970586 11781168 26508777-1048 05/09/2019 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. Missing Anti-Steering Disclosure.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/05/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687722 26508777 504970586 11781169 26508777-4436 05/09/2019 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/09/17/2018) There is no evidence in file to suggest the borrower received a copy of the appraisal three (3) business days prior to consummation.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/05/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687722 26508777 504970586 11781171 26508777-3126 05/09/2019 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. Missing Loan Originator Compensation disclosure.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/05/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687722 26508777 504970586 11781174 26508777-4613 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 10/05/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/10/05/2018) The HOI premium provided is a value of $2709.53 which is a monthly cost of $225.79. The final CD lists the HOI premium collected of $2590.21. The file is missing an updated HOI Premium     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/05/2018 MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687722 26508777 504970586 11781491 26508777-4826 05/09/2019 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 10/05/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/05/2018) No cure is provided in file     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/05/2018 MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687722 26508777 504970586 11781493 26508777-7038 05/09/2019 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/10/02/2018) Loan closed on 10/5/18 and Closing Disclosure was not provided to Borrower(s) at least three (3) business days prior to closing.     Reviewer Comment (2019-05-16): AMC received Disclosure Tracking indicating the 10/02 CD was received the same day. Exception Cleared. Seller Comment (2019-05-15): 5/14/19- Disagree with finding. Borrower Econsented.. Initial CD was provided via electronc delivery on 10/2/18 and acknowledged by the borrower on 10/2/18. Timing requirement was met.. See Loan Summary uploaded 05/16/2019     1 A 10/05/2018 MN Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687722 26508777 504970586 11781494 26508777-6543 05/09/2019 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 $3,125.00 exceeds tolerance of $2,486.00 plus 10% or $2,734.60. Insufficient or no cure was provided to the borrower. (0) Final CD reflects increase in fees subject to 10% variance: Binding LE discloses total fee of $2486 subject to 10% variance. Final CD reflects the $3020 in related fees. This is a $534 increase from the binding amounts ($$2734.60 above 10% threshold).     Reviewer Comment (2019-05-16): AMC reviewed exception. The purchase agreement indicates seller to pay own fees. Exception Cleared. Seller Comment (2019-05-15): "5/15/19- Disagree with finding. Seller fees are not subject to tolerance testing. Seller Fees disclosed on the Seller CD are fees required to be paid by the seller as part of their transaction and is not required to be disclosed on the Buyer's CD. " 05/16/2019     1 A 10/05/2018 MN 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
206687722 26508777 504970586 11781495 26508777-6542 05/09/2019 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 $810.00 exceeds tolerance of $510.00. Insufficient or no cure was provided to the borrower. (7506) Appraisal Fee Amount of $810.00 exceeds tolerance of $510.00.     Reviewer Comment (2019-05-17): Lender attestation stated the appraisal requirements were more involved and the appraisal was provided after 8/31/2018 when the initial LE was provided with the change Seller Comment (2019-05-17): The town of xxxx is a small, rural, community with a population around 3,315. According to ASC there are two active appraisers in the city. There a very few appraisers who cover the area. The subject also is a larger custom built home on 10 acres. The small population and subject features create a low sales inventory which in turn makes finding comparable sales difficult Reviewer Comment (2019-05-16): AMC reviewed exception. The COC does not indicate the valid change of circumstance for the fee to increase. Please provide additional details regarding the reason for the increase. Seller Comment (2019-05-15): 5/14/19- Disagree with finding. COC was approved for increase of Appraisal fee to $810.. See Loan Summary section labeled COC History uploaded 05/17/2019     1 A 10/05/2018 MN 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
206687722 26508777 504970586 11781497 26508777-6542 05/09/2019 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 $90.00 exceeds tolerance of $80.00. Insufficient or no cure was provided to the borrower. (7520) Credit Report Fee amount of $90.00 exceeds tolerance of $80.00.     Reviewer Comment (2019-05-16): AMC received COC. Exception Cleared. Seller Comment (2019-05-15): 5/14/19- Disagree with finding. COC was approved for increase of Credit fee to $90. See Loan Summary section labeled COC History uploaded 05/16/2019     1 A 10/05/2018 MN 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
206687722 26508777 504970586 11796914 26508777-25507 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 7,483.20 on Final Closing Disclosure provided on 10/05/2018 not accurate. (Final/10/05/2018) The taxes reported for 2018 $4892.00, HOI $2709.53 for a total of $7601.53     Reviewer Comment (2019-05-16): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-15): 5/14/19- Please review the HOI utilized in calculations 05/16/2019     1 A 10/05/2018 MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687722 26508777 504970586 11796915 26508777-4673 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/05/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/797259) The taxes reported for 2018 $4892.00, HOI $2709.53 for a total of $7601.53 is a monthly cost of $633.46 and does not match the final CD of $623.60     Reviewer Comment (2019-05-16): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-15): 5/14/19- Please review actual HOI utilized in calculations 05/16/2019     1 A 10/05/2018 MN 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
206687722 26508777 504970586 11796916 26508777-4612 05/09/2019 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 10/05/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/797259) The taxes reported for 2018 $4892.00, HOI $2709.53 for a total of $7601.53 is a monthly cost of $633.46 and does not match the final CD of $623.60     Reviewer Comment (2019-05-16): AMC reviewed exception. The Final CD escrow amount is consistent with IEADS. Exception Cleared. Seller Comment (2019-05-15): 5/14/19- Please review actual HOI utilized in calculations 05/16/2019     1 A 10/05/2018 MN 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
206687722 26508777 504970586 11797205 26508777-6276 05/09/2019 Credit Assets Asset Documentation Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution: Harvest Bank / End Date: 06/30/2018 // Account Type: Savings / Account Number: 7340 Asset Account Date: 06/30/2018 Per guidelines credit documents cannot be more than 90 days, currently the asset statements have expired to the note date     Reviewer Comment (2019-05-17): Asset was excluded from closing and reserves. Asset provided only to document the transfer of funds to checking. Seller Comment (2019-05-14): Disagree:xxxx #xxx statement was provided to document the transfer into Harvest Bank account #6848. Please see the attached 05/17/2019     1 A 10/05/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687722 26508777 504970586 12010076 26508777-22608 05/23/2019 Compliance Compliance State Compliance Minnesota Advance Fee Agreement Status Minnesota State Disclosure: Borrower not provided Advanced Fee Agreement.       Reviewer Comment (2019-05-24): Client Elects to waive     05/24/2019 2 B 10/05/2018 MN Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687723 26508778 504959077 11773696 26508778-4436 05/08/2019 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/08/09/2018) Missing evidence appraisal sent prior to closing.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/28/2018 CO Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687724 26508781 504971713 11769261 26508781-2883 05/08/2019 Credit Loan Package Documentation Application / Processing Missing Document: Tax Certificate not provided         Reviewer Comment (2019-05-15): Tax Certificate was provided. Condition is cleared. Seller Comment (2019-05-13): See attached Tax Cert. 05/15/2019     1 A 09/13/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687724 26508781 504971713 11772555 26508781-7038 05/08/2019 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/09/10/2018) Initial Final CD provided 09/10/2018, less than 3 business days prior to final CD of 09/13/2018.     Reviewer Comment (2019-05-15): AMC received Disclosure Tracking indicating borrower received 09/10 CD the same day. Exception Cleared Seller Comment (2019-05-14): 5/13/19- Disagree with finding. Borrower Econsented.. Initial CD was provided on 9/10/18 via electronic delivery and acknowledged by the borrower on 9/10/18.. See uploaded Loan Summary 05/15/2019     1 A 09/13/2018 TX Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687724 26508781 504971713 11796483 26508781-6583 05/09/2019 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 $1,060.00 exceeds tolerance of $510.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) $550 tolerance cure provided to borrower.         05/09/2019   1 A 09/13/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687724 26508781 504971713 11816834 26508781-1048 05/10/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/13/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687724 26508781 504971713 11816835 26508781-3126 05/10/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/13/2018 TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687724 26508781 504971713 11816836 26508781-6623 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 09/13/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/09/13/2018) Contact name ad NMLS for xxxx missing.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/13/2018 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
206687725 26508782 504943546 11776134 26508782-2808 05/08/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Not provided.     Reviewer Comment (2019-05-16): Loan approval was located in loan file. Condition is cancelled. Seller Comment (2019-05-14): Please see the attached loan approval.       1 A 07/26/2018 MA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687725 26508782 504943546 11776873 26508782-7087 05/08/2019 Compliance Compliance Federal Compliance RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.       Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/26/2018 MA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687725 26508782 504943546 11776875 26508782-20804 05/08/2019 Compliance Compliance State Compliance Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower�s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable Not Applicable, full documentation used to determine ATR.     Reviewer Comment (2019-05-21): Loan is full doc. Exception cancelled.       1 A 07/26/2018 MA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687725 26508782 504943546 11777056 26508782-6297 05/08/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $7,923.75 and disclosure timing violations. E-sign consent was not found.     Reviewer Comment (2019-05-22): AMC received E Consent dated 07/02/2018. Exception Cleared. Seller Comment (2019-05-21): Please see the attached e-consent Reviewer Comment (2019-05-13): Regraded to EV3-C 05/22/2019     1 A 07/26/2018 MA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687725 26508782 504943546 11777058 26508782-4826 05/08/2019 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 07/26/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/26/2018) Final CD does not reflect a dollar amount for exceeding the legal limit.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/26/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687725 26508782 504943546 11777064 26508782-6542 05/08/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) The loan file does not contain an E-Consent from the Borrower, resulting in the zero percent tolerance violation between the initial LE and Final CD. A cure was not provided to the borrower. (Desk Review, $150).     Reviewer Comment (2019-05-22): AMC received E Consent dated 07/02/2018. Exception Cleared. Seller Comment (2019-05-21): Please see the attached e-consent 05/22/2019     1 A 07/26/2018 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
206687725 26508782 504943546 11777073 26508782-6542 05/08/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $173.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7572) The loan file does not contain an E-Consent from the Borrower, resulting in the zero percent tolerance violation between the initial LE and Final CD. A cure was not provided to the borrower. (Verification of Income, $173.75).     Reviewer Comment (2019-05-22): AMC received E Consent dated 07/02/2018. Exception Cleared. Seller Comment (2019-05-21): Please see the attached e-consent 05/22/2019     1 A 07/26/2018 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
206687725 26508782 504943546 11777076 26508782-6542 05/08/2019 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 $2,872.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) Addition of Seller Paid Transfer taxes not disclosed previously. No cure provided.     Reviewer Comment (2019-05-22): AMC reviewed exception. Seller is required to pay transfer tax in MA. Exception Cleared. Seller Comment (2019-05-21): Disagree, In Massachusetts, the responsibility for the tax falls on the seller unless otherwise documented in the purchase agreement. The PA does not document if the fee will be paid by the buyer or split so the Seller is required to pay the transfer taxes. The transfer taxes listed are the seller's responsibility and required to be paid as part of the seller transaction. No violation occurred. Reviewer Comment (2019-05-20): According to deal settings selected by the Client, all third party/seller fees are included in testing for tolerance allowances. Purchase contract does not specifically state any closing costs were Seller paid. Please provide evidence these fees were "required" for the State of MA for purchase/sale transactions to be eligible for downgrade to EV2. Seller Comment (2019-05-17): Disagree - The $3739.20 is a Seller Paid Fee for Transfer Tax and is non-testable. The Zero Percent Fee is not exceeded and there is no violation. 05/22/2019     1 A 07/26/2018 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
206687725 26508782 504943546 11831819 26508782-4367 05/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - Before Closing TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 07/26/2018 disclosed Total Closing Costs (Paid by Borrower Before Closing) that does not match sum of fees. (Final/07/26/2018) Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/26/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687725 26508782 504943546 11831820 26508782-4421 05/13/2019 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 07/26/2018 disclosed a Final value of Closing Costs Paid Before Closing that does not match the Subtotal of fees paid before closing. (Final/07/26/2018) Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/26/2018 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687725 26508782 504943546 11831824 26508782-6543 05/13/2019 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 $440.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees.     Reviewer Comment (2019-05-24): Seller paid fees are allowed to be excluded when customary and documentation such as a purchase contract list these fees as paid by the seller and not affecting the buyer closing Seller Comment (2019-05-23): xxxx can you please review there isn't a requirement for this to be buyer paid as stated above should not be included in the tolerance testing. Reviewer Comment (2019-05-22): AMC reviewed the exception. The client has chosen to include seller paid fees in testing and the purchase agreement does not indicate seller to pay closing costs therefore exception is valid. The cure amount is $38.50. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-21): Disagree, In Massachusetts, the responsibility for the tax falls on the seller unless otherwise documented in the purchase agreement. The PA does not document if the fee will be paid by the buyer or split so the Seller is required to pay the transfer taxes. The transfer taxes listed are the seller's responsibility and required to be paid as part of the seller transaction. No violation occurred. Reviewer Comment (2019-05-20): According to deal settings selected by the Client, all third party/seller fees are included in testing for tolerance allowances. Purchase contract does not specifically state any closing costs were Seller paid. Please provide evidence these fees were "required" for the State of MA for purchase/sale transactions to be eligible for downgrade to EV2. Seller Comment (2019-05-17): Disagree - All LE's and CD's disclosed to the borrower show $365 for the recording fee. The recording fee is within tolerance and no violation occurred. Not sure where the $440 is coming from. The additional $75 recording fee is the seller required fee per their transaction and should not be included in the buyer's tolerance testing. Reviewer Comment (2019-05-16): This exception is for the 10% tolerance violation for recording fees, not transfer taxes. Seller Comment (2019-05-15): The $3739.20 is a Seller Paid Fee for Transfer Tax and is non-testable. The Zero Percent Fee is not exceeded and there is no violation. 05/24/2019     1 A 07/26/2018 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
206687726 26508785 504912188 11782081 26508785-4826 05/09/2019 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 08/28/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/28/2018) Final Closing Disclosure provided on 08/28/2018 did not disclose a dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/28/2018)     Reviewer Comment (2019-05-14): Exceptions for tolerance cleared as they are required seller paid fees 05/14/2019     1 A 08/28/2018 KY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687726 26508785 504912188 11782082 26508785-4866 05/09/2019 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. The disclosure acknowledging the receipt of the Home Loan Toolkit was not provided within 3 business days of application.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/28/2018 KY Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687726 26508785 504912188 11782084 26508785-6542 05/09/2019 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's Fee (Closing Agent and Other). Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77167) Attorney fee, which is a zero percent tolerance fee, was listed on the seller CD only and no cure was provided to the borrower.     Reviewer Comment (2019-05-14): Seller attorney fee Seller Comment (2019-05-13): Disagree with finding. This was a seller paid fee which would not be subject to tolerance testing for our borrower 05/14/2019     1 A 08/28/2018 KY 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
206687726 26508785 504912188 11782085 26508785-6542 05/09/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77169) Settlement fee, which is a zero percent tolerance fee, was listed on the seller CD only and no cure was provided to the borrower.     Reviewer Comment (2019-05-14): Seller required fee Seller Comment (2019-05-13): Disagree with finding this is a seller paid elected fee which would not be subject to tolerance testing for our borrower. 05/14/2019     1 A 08/28/2018 KY 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
206687727 26508786 504927854 11771165 26508786-855 05/08/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/22/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018       Reviewer Comment (2019-05-16): Post disaster property inspection report was provided. Condition is cleared. Seller Comment (2019-05-14): See attached PDI 05/16/2019     1 A 07/26/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687727 26508786 504927854 11772856 26508786-4824 05/08/2019 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 07/26/2018 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/07/26/2018) Final Closing disclosure reflects the borrower paying for Appraisal and Lender inspection fee, paid to lender. No invoices in file     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/26/2018 CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687727 26508786 504927854 11797154 26508786-23688 05/09/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Insurer's replacement cost estimate not found in file. Shortfall of $262,761.     Reviewer Comment (2019-05-16): Replacement cost estimate was provided and is acceptable. Condition is cleared. Seller Comment (2019-05-15): The Allstate replacement cost estimator is attached. Seller Comment (2019-05-14): Disagree please see attached documentation 05/16/2019     1 A 07/26/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687728 26508787 504829618 11804211 26508787-855 05/10/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/01/2018 Disaster End Date: 09/30/2018 Disaster Name: HURRICANE FLORENCE Disaster Declaration Date: 09/14/2018       Reviewer Comment (2019-05-17): Received PDI dated 11/30/18 reflecting no damage to subject property Seller Comment (2019-05-14): 5/13/18- Disagree with finding.. See uploaded Post Disaster Inspection completed 11/30/18 and was part of the loan documents provided for review 05/17/2019     1 A 06/29/2018 NC Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687728 26508787 504829618 11804548 26508787-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $1,641.32 and disclosure timing violations. Initial LE located in the file is dated and E-Signed on 11/29/2017. Unable to determine when the initial LE was sent to the borrower. No E-Consent was located in the file.     Reviewer Comment (2019-05-16): AMC received E Consent dated 12/13/2017. Exception Cleared. Seller Comment (2019-05-15): Please see the attached e-consent 05/16/2019     1 A 06/29/2018 NC Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687728 26508787 504829618 11804551 26508787-4850 05/10/2019 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 06/29/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/29/2018) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-11): Initial LE used to baseline 05/11/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11804553 26508787-4916 05/10/2019 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. Application date is 11/29/17 and disclosure was provided to Borrower on 12/13/17.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/29/2018 NC Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687728 26508787 504829618 11804555 26508787-6543 05/10/2019 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 $90.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11804556 26508787-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $785.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7368) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11804557 26508787-6542 05/10/2019 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 $495.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11804558 26508787-6542 05/10/2019 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11804559 26508787-6542 05/10/2019 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 $46.57 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11804560 26508787-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11804562 26508787-6542 05/10/2019 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 $69.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Unable to set baseline fees due to missing the borrower's iniital E-Consent. Once the initial signed E-Consent documentation is received, TRID compliance can be re-ran to determine any tolerance violations.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 06/29/2018 NC 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
206687728 26508787 504829618 11807883 26508787-25158 05/10/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Actual rate lock documentation was not provided.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/29/2018 NC Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687728 26508787 504829618 11812355 26508787-4436 05/10/2019 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/06/04/2018) No proof of appraisal delivery in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/29/2018 NC Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687728 26508787 504829618 11818988 26508787-6545 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $785.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7368)       Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/29/2018 NC Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687728 26508787 504829618 11818989 26508787-6545 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75106)       Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/29/2018 NC Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687729 26508788 504951240 11800536 26508788-6415 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 08/13/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/08/13/2018) Final CD is missing the Lender Contact Name and Contact NMLS number.     Reviewer Comment (2019-05-29): There was no lender involvement on this transaction as the broker closed the transaction. The issue was also reviewed by the client and accepts the final CD Reviewer Comment (2019-05-21): Deal settings indicate that the lender individual name is not to be excluded from testing. Client to opine Seller Comment (2019-05-20): A Creditor does not violate 1026.37(k)(2) or 1026.38(r)(4) and (r)(5) by excluding a �loan originator� or individual �contact� when no such person exists at the Creditor and the �loan originator� or �contact� information is provided by the Mortgage Broker. Reviewer Comment (2019-05-14): Our client has elected to make the contact name and NMLS ID number on broker loans a required data set. Seller Comment (2019-05-14): 5/13/19- Disagree with finding. xxxx does not disclose the Lender Contact information for Broker originated loans as the Mortgage Broker is the primary contact Seller Comment (2019-05-13): Disagree with finding. This is a Broker loan and xxxx is not listed as the Lender as they are the contact. 05/29/2019     1 A 08/13/2018 AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687729 26508788 504951240 11800537 26508788-4866 05/09/2019 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. The earliest Toolkit Disclosure is dated 08/13/18, the same day as closing.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/13/2018 AZ Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687730 26508789 504937895 11784650 26508789-3882 05/09/2019 Compliance Compliance Federal Compliance Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. Evidence of receipt of the Flood Disclosure is not in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/22/2018 FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687730 26508789 504937895 11798234 26508789-5404 05/09/2019 Credit Income / Employment Income Documentation Income Docs Missing:   The file is missing the xxxxx used for dividends for 2016 totals.     Reviewer Comment (2019-05-16): Provided was the 2016/2017 1040's and current bank statements to support I/D income Seller Comment (2019-05-10): Disagree. The UW recognized that by using the 2017 Dividend income only was the most conservative approach. Therefore the amount used was $1149.41 based on the 2017 Schedule B. The borrower's 2017 Schedule B no longer reflects xxxxx as the borrower no longer has those funds. The continuance was documented for Pxxxxx for 2017. 05/16/2019     1 A 08/22/2018 FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687730 26508789 504937895 11802960 26508789-24188 05/10/2019 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 $689.37 on Final Closing Disclosure provided on 08/22/2018 not accurate. (Final/08/22/2018) The HOA dues are not reflected accurately regardless of 10,11 or 12 month calculation on the final CD, pg 4. Amount of monthly HOA dues is $63.00.     Reviewer Comment (2019-05-22): AMC received an attestation that HOA dues on appraisal were rounded up. The loan transmittal 1008 verified the monthly amount of $62.67. Seller Comment (2019-05-21): Disagree with finding. See final 1003 the monthly amount is actually $62.67 per month at 10 months that equals the $689.37. The appraiser could only list the rounded number the 1003 is accurate. 05/22/2019     1 A 08/22/2018 FL 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
206687731 26508792 505027898 11785409 26508792-3879 05/09/2019 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. No evidence in file confirming Your Home Loan Toolkit was provided to the Borrower.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 02/05/2019 WA Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687732 26508796 504950892 11784730 26508796-4826 05/09/2019 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 08/09/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/09/2018) There was no dollar amount reflected.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/10/2018 IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687732 26508796 504950892 11800627 26508796-6297 05/09/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $1,726.20 and disclosure timing violations. Missing E-consent agreement     Reviewer Comment (2019-05-16): AMC received E Consent dated 07/10. Exception Cleared. Seller Comment (2019-05-15): Please see the attached e-consent 05/16/2019     1 A 08/10/2018 IN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687732 26508796 504950892 11800628 26508796-6543 05/09/2019 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 $80.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800629 26508796-6542 05/09/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7319) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800630 26508796-6542 05/09/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800631 26508796-6542 05/09/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800633 26508796-6542 05/09/2019 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 $440.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800635 26508796-6542 05/09/2019 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 $121.40 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800638 26508796-6542 05/09/2019 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 $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800640 26508796-6542 05/09/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $14.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800643 26508796-6542 05/09/2019 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 $93.85 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Missing E-consent agreement     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 08/10/2018 IN 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
206687732 26508796 504950892 11800645 26508796-6542 05/09/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Endorsement Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7582) Missing valid Change of Circumstance     Reviewer Comment (2019-05-17): The seller paid fees are for testing however once identified can be cleared as it does not affect the fees paid by the buyer for testing. Reviewer Comment (2019-05-16): AMC reviewed fee. The client has elected to include seller paid fees in testing. If purchase agreement indicates it is seller's responsibility it may be reviewed to exclude. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-14): Disagree - The $10 is a Seller Paid Fee for TIEFF - Endorsement Fee and is non-testable. The Zero Percent Fee is not exceeded and there is no violation. 05/17/2019     1 A 08/10/2018 IN 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
206687733 26508797 505041397 11802508 26508797-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,465.75 and disclosure timing violations. E-consent not provided.     Reviewer Comment (2019-05-16): AMC received E Consent dated 02/14/2019. Exception Cleared. Seller Comment (2019-05-15): Please see the attached e-consent Seller Comment (2019-05-15): E-sign document Seller Comment (2019-05-15): See attached E-sign documentation. 05/16/2019     1 A 03/06/2019 NV Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM No
206687733 26508797 505041397 11802509 26508797-4850 05/10/2019 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 03/06/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/06/2019) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802510 26508797-6543 05/10/2019 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 $41.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802511 26508797-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $640.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802512 26508797-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802513 26508797-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802514 26508797-6542 05/10/2019 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 $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802516 26508797-6542 05/10/2019 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 $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802517 26508797-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687733 26508797 505041397 11802518 26508797-6542 05/10/2019 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 $79.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) E-consent not provided.     Reviewer Comment (2019-05-10): Initial LE used to Baseline Fees 05/10/2019     1 A 03/06/2019 NV 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 A A A C A A A Safe Harbor QM Safe Harbor QM Yes
206687734 26508799 504937140 11788364 26508799-4866 05/09/2019 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. Evidence that borrower received copy of the Home Loan Toolkit Disclosure with 3 business days of application date was not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/19/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687734 26508799 504937140 11788792 26508799-25503 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 25,600.08 on Final Closing Disclosure provided on 07/19/2018 not accurate. (Final/07/19/2018) Final CD disclosed Amount of Estimated Property Costs over Year 1 of 25,600.08, however, the actual amount is $22,907.88. Hazard Insurance monthly premium is $242.32 and monthly property taxes are $1,666.67, a total of $1,908.99 per month or $22,907.88 annually.     Reviewer Comment (2019-05-13): AMC received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2019-05-10): 5/10/19- Please review LOX and Corrected Post Close CD uploaded   05/13/2019   2 B 07/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687734 26508799 504937140 11802666 26508799-1048 05/10/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/19/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687734 26508799 504937140 11802667 26508799-3126 05/10/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/19/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687734 26508799 504937140 11802668 26508799-6623 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/19/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/07/19/2018) Final CD did not disclose the Lender's Contact Name and NMLS ID.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/19/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687735 26508800 504950049 11779506 26508800-7456 05/08/2019 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 07/23/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Czapski,Michelle Bodman PLC/Schedule K-1 less than 25 Percent) The application for automatic extension for 2017 is in the file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/23/2018 MI Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687735 26508800 504950049 11779508 26508800-3879 05/08/2019 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. The toolkit provided within 3 days of the initial application date was not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/23/2018 MI Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687735 26508800 504950049 11803758 26508800-3831 05/10/2019 Credit Credit Miscellaneous Credit Exception:   Provide mortgage statement for property located at 25856 Penbrooke to verify correct PITIA is being used in DTI.     Reviewer Comment (2019-05-16): Provided Seller Comment (2019-05-13): See attached credit report, tax bill and insurance policy for 25856 Pembroke. The Underwriter used the payment of $1790 on the credit report as the P&I payment, then added the taxes and insurance for a total payment of $2813.44/month. 05/16/2019     1 A 08/23/2018 MI Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687735 26508800 504950049 11805080 26508800-3831 05/10/2019 Credit Credit Miscellaneous Credit Exception:   VOE in the file states borrower owns 100% of business (Bodman PLC), per K-1 borrower owns 1%. Also, VOE does not state name or position at business of the person who verified employment. Start date is provided, however comments state "google" search used to verify. Provide updated/corrected VOE to reflect correct percentage of ownership, as well as how many number of years business in existence/borrower start date was determined.     Reviewer Comment (2019-05-16): The k1's provided support the percentage of ownership the borrower has in the partnership as an attorney Seller Comment (2019-05-13): See attached funding verbal VOE dated 08/15/2018, State Bar of Michigan card verifiying the borrower is member as an attorney for 2017-2018, and 2015-2017 K-1's to document the borrower has been 1% owner for a minimum of three years. 05/16/2019     1 A 08/23/2018 MI Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687735 26508800 504950049 11909252 26508800-25319 05/16/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 08/23/2018 MI Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687736 26508803 504935956 11795574 26508803-855 05/09/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/20/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018       Reviewer Comment (2019-05-16): Post Disaster Property Inspection Report was provided. Condition is cleared. Seller Comment (2019-05-15): See attached PDI 05/16/2019     1 A 07/03/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687736 26508803 504935956 11796107 26508803-4371 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/03/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/03/2018) The security instrument was notarized on 07/06/18.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/03/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687736 26508803 504935956 11796108 26508803-3879 05/09/2019 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. This disclosure was not found in the file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/03/2018 CA Primary Purchase No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687736 26508803 504935956 11824466 26508803-4436 05/11/2019 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/06/21/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/03/2018 CA Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687737 26508804 504921703 11787363 26508804-2909 05/09/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided   Purchase 2nd lien Note not provided     Reviewer Comment (2019-05-22): Received HELOC Seller Comment (2019-05-21): Please see the attached Note Seller Comment (2019-05-21): See attached Mortgage and Loan Approval showing terms of mortgage financing. 05/22/2019     1 A 07/09/2018 CT Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687737 26508804 504921703 11788602 26508804-7038 05/09/2019 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/07/02/2018) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.     Reviewer Comment (2019-05-15): AMC received Disclosure Tracking indicting the 07/02 CD was received the same day. Exception Cleared. Seller Comment (2019-05-14): Disagree - The Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing. See attached tracking details. 05/15/2019     1 A 07/09/2018 CT Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687738 26508807 505017513 11809012 26508807-4436 05/10/2019 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/12/27/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/02/2019 CO Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687738 26508807 505017513 11809131 26508807-4712 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/02/2019 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/01/02/2019) $2801.22 was disclosed on the Initial Escrow Account Disclosure, and $2801.18 was disclosed on the final CD     Reviewer Comment (2019-05-20): Corrected data entry error on page 4. Exception cleared. Seller Comment (2019-05-20): We have a .04 variance from the CD to the IEAD. Can you please provide the citing that there is no tolerance. We reviewed with our Compliance Team as well and stated this type of tolerance is not a RESPA concern. Reviewer Comment (2019-05-16): Letter of Explanation & Corrected Closing Disclosure required to cure. Initial Escrow Account Disclosure and Final CD Initial Escrow Payment need to match. $2801.22 was disclosed on the Initial Escrow Account Disclosure, and $2801.18 was disclosed on the final CD Seller Comment (2019-05-14): Disagree - There is only a $.02 difference in what disclosed on the Initial Escrow Account Disclosue ($2801.22) and what was disclosed on the Final CD ($2801.18). This seems to be due to rounding. 05/20/2019     1 A 01/02/2019 CO 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
206687738 26508807 505017513 11809133 26508807-6542 05/10/2019 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 $760.00 exceeds tolerance of $660.00. Insufficient or no cure was provided to the borrower. (7506) Cure for Appraisal Fee of $760 exceeding tolerance of $660 was not provided.     Reviewer Comment (2019-05-17): The lender cured the $100.00 overage charge at closing to the borrower Seller Comment (2019-05-17): Disagree - A portion of the Lender Credit was used for the Lender Cure in the amount of $100 for the appraisal cost increase. No violation occurred.   05/17/2019   2 B 01/02/2019 CO 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
206687738 26508807 505017513 11813748 26508807-7042 05/10/2019 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.       Reviewer Comment (2019-05-21): Client elects to waive.     05/21/2019 2 B 01/02/2019 CO 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
206687738 26508807 505017513 11813810 26508807-5322 05/10/2019 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. Final CD Calculating Cash to Close section - Without Seller box was not marked.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 01/02/2019 CO Primary Refinance - Rate/Term Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687738 26508807 505017513 11813811 26508807-5012 05/10/2019 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 on 01/02/2019 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Final/01/02/2019) Calculating Cash to Close: Final Closing Disclosure provided on 01/02/2019 disclosed a tolerance cure amount of $100 that does not match the amount disclosed in the Other Costs table.     Reviewer Comment (2019-05-17): The cure of $100.00 is sufficient to clear this exception 05/17/2019     1 A 01/02/2019 CO 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
206687738 26508807 505017513 11813837 26508807-4797 05/10/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Transaction Error: Outstanding liens were not paid at closing. Date Issued: 01/02/2019 Final CD Calculating Cash to Close section - Without Seller box was not checked to allow for payoff information.     Reviewer Comment (2019-05-16): Reviewed Final CD and outstanding liens were paid at closing. Condition is cleared. Seller Comment (2019-05-13): The "standard" version of the CD can be used for all transactions, whether it's for a purchase, refinance or home equity loan. You have the option to choose the "alternative" form for transactions without sellers (i.e. refinance and home equity loans). In this case the "standard" form was used, and therefore the payoff amounts are listed in section K, Lines 05 and 06 of page 3. 05/16/2019     1 A 01/02/2019 CO Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687738 26508807 505017513 11813926 26508807-25838 05/10/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxx Insurance Verification, Lease Agreement Insurance document for rental property was not provided.     Reviewer Comment (2019-05-16): Received proof of PITI. Lease not required as borrower is being qualified with full payment and does not collect any rental income. Seller Comment (2019-05-13): See attached email from the insurance company stating the policy was cancelled since the insured never began construction. The Property Appraiser website verifies this property is vacant land. 05/16/2019     1 A 01/02/2019 CO Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687738 26508807 505017513 11943534 26508807-25319 05/20/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 01/02/2019 CO Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687739 26508808 504967710 11795866 26508808-1330 05/09/2019 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 Home ownership Counseling Organizations was not provided to the borrower.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/21/2018 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687739 26508808 504967710 11795867 26508808-4371 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/21/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/09/21/2018) The final Closing Disclosure reflects a Closing Date of 9/21/2018, but the transaction consummation (mortgage notary) date was 9/22/2018.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 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
206687739 26508808 504967710 11796101 26508808-4866 05/09/2019 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. There is no evidence in the file that shows when the borrower received a copy of the Home Loan Toolkit.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/21/2018 CA Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687739 26508808 504967710 11796165 26508808-6542 05/09/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77204) Wire / Funding / Disbursement Fee Amount of $35.00 exceeds tolerance of $0.00.     Reviewer Comment (2019-05-16): Confirmed borrower shopped for title fees - no tolerance testing Seller Comment (2019-05-14): 5/13/19- Disagree with finding. All title fees are excluded from testing as the borrower shopped for title services, these fees are not subjected to TRID testing, no violation occurred. Also, Seller fees are not subject to tolerance testing 05/16/2019     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
206687739 26508808 504967710 11796482 26508808-4826 05/09/2019 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 09/21/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/21/2018) No cure is provided in file.     Reviewer Comment (2019-05-16): Confirmed borrower shopped for title fees - no tolerance testing 05/16/2019     1 A 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
206687740 26508809 505029626 11787637 26508809-6297 05/09/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $9,378.00 and disclosure timing violations. Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-21): AMC received E Consent dated 12/28/2018. Exception Cleared. Seller Comment (2019-05-20): Attached please find E-Consent Document Reviewer Comment (2019-05-13): Regraded to EV3-C 05/21/2019     1 A 01/31/2019 FL Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687740 26508809 505029626 11787639 26508809-4386 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/28/2019 disclosed a Loan Type that does not match the actual loan type for the loan. (Final/01/28/2019) Final CD disclosed Loan Type as Other - Jumbo.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/31/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687740 26508809 505029626 11787640 26508809-4826 05/09/2019 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 01/28/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/28/2019) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 01/31/2019 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687740 26508809 505029626 11787645 26508809-6543 05/09/2019 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 $200.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 01/31/2019 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
206687740 26508809 505029626 11787648 26508809-6542 05/09/2019 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 $600.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 01/31/2019 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
206687740 26508809 505029626 11787651 26508809-6542 05/09/2019 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 $85.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Initial LE sent electronically and e-sign consent was not provided resulting in a fee tolerance violation.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 01/31/2019 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
206687740 26508809 505029626 11804910 26508809-3495 05/10/2019 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/01/18/2019)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/31/2019 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687740 26508809 505029626 11804911 26508809-25579 05/10/2019 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/01/18/2019)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/31/2019 FL Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687741 26508810 504974808 11779754 26508810-2909 05/08/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided   HELOC Note was not provided. Balance taken from the final Closing Disclosure and monthly payment taken from the final 1003.     Reviewer Comment (2019-05-15): The HELOC Note was provided. Condition is cleared. Seller Comment (2019-05-13): See attached HELOC Note. 05/15/2019     1 A 09/24/2018 MI Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687741 26508810 504974808 11780061 26508810-25503 05/08/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,302.88 on Final Closing Disclosure provided on 09/24/2018 not accurate. (Final/09/24/2018) Lender utilized $938.66 for monthly taxes, whereas the actual amount is $938.86.     Reviewer Comment (2019-05-15): AMC received PCCD correcting total property costs and LOE. Exception Cured. Seller Comment (2019-05-15): Please see attached post consummation CD   05/15/2019   2 B 09/24/2018 MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687741 26508810 504974808 11780066 26508810-4866 05/08/2019 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. Only the acknowledgment can be verified as provided at closing.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/24/2018 MI Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687741 26508810 504974808 11780067 26508810-7038 05/08/2019 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/09/20/2018) Borrower receipt not found in file. Applying the mailing rule, the CD was not provided to the borrower at least three days prior to closing.     Reviewer Comment (2019-05-15): AMC received Disclosure Tracking indicating the 09/20 CD was received the same day. Exception Cleared. Seller Comment (2019-05-14): 5/13/19- Disagree with finding. Initial CD was provided via electronic delivery on 9/20/18.. Borrower acknowledged receipt of 9/20/18.. See uploaded Loan Summary 05/15/2019     1 A 09/24/2018 MI Primary Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687741 26508810 504974808 11808943 26508810-25580 05/10/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/01/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/24/2018 MI Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687742 26508812 504918412 11785000 26508812-7458 05/09/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (Gilbertson,Daniel Gilbertson Addition LLC/Partnership) 1065's, P & L and Balance Sheet are not signed     Reviewer Comment (2019-05-24): This was a minor income source that is not needed to qualify. Seller Comment (2019-05-23): Disagree. The self-employment income from Gilbertson Additions LLC was zero or positive as reported on the K-1's; it was not needed to qualify. Appendix Q documentation requirements do not apply to self-employment income not needed to qualify; The percentage of ownership is irrelevant. Reviewer Comment (2019-05-22): This transaction is a Safe Harbor QM and subject to Appendix Q documentation requirements. 1065's must be signed for both years. Bower owns 34%. Exception remains. Seller Comment (2019-05-22): Disagree the 1065�s need to be signed as the income from Gilbertson Additions LLC was not needed to qualify the borrower. The attached 2016 and 2017 K-1�s reflect either positive or no income (depletion can be added back for 2017). The product guidelines state tax returns are not required if self-employment income and/or zero income is reported and not needed to qualify. Seller Comment (2019-05-21): The Verification of Employment for Gunnar Rawlings at xxxxs dates of employment from 7/1/15 to 10/31/17. The 2016 W-2 for xxxxxc. is in the file. Per � 1026.43(c)(4), IRS Form W-2s or similar IRS forms used for reporting wages or tax withholding are sufficient for verification of income. The borrower is a wage earner. The borrower�s 2016 W-2 or tax return transcript is not required to document income. Reviewer Comment (2019-05-16): Comments in the initial review are incorrect. Its the 1065's that are not signed. We had signed YTD P&L and Balance sheet in the initial review. The 1065's are not signed. Exceptions remains. Seller Comment (2019-05-13): The file contains the attached signed P&L and Balance Sheet for Gilbertson Addition LLC. 05/24/2019     1 A 07/09/2018 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687742 26508812 504918412 11785001 26508812-7457 05/09/2019 Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (Gilbertson,Daniel Daniel Gilbertson/Schedule C) No P&L or Balance sheet     Reviewer Comment (2019-05-16): Final 1008 in the initial file this income is not an actual Schedule C income. CPA confirms this. Exception canceled. Seller Comment (2019-05-13): Disagree a P&L or a Balance Sheet are required for the borrower's Schedule C business. The file contains the attached CPA letter stating that the gross receipts listed on Schedule C is for commissions/fees from clients that was paid to his employer, Summit Wealth Group, who then paid the borrower a W2 salary. The Schedule C is not for an actual business, but reports revenue from the borrower's employment with Summit Wealth Group. Also attached are the 2016 and 2017 Schedule C's which reference the employer's EIN on page 2 which matches the W2's.       1 A 07/09/2018 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687742 26508812 504918412 11785682 26508812-3867 05/09/2019 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. Loan approved as Safe Harbor QM, however review returned a Non QM loan designation due to missing certain income supporting documents.     Reviewer Comment (2019-05-24): This was a minor income source that is not needed to qualify. Seller Comment (2019-05-23): Disagree. The self-employment income from Gilbertson Additions LLC was zero or positive as reported on the K-1's; it was not needed to qualify. Appendix Q documentation requirements do not apply to self-employment income not needed to qualify; The percentage of ownership is irrelevant. Reviewer Comment (2019-05-22): This transaction is a Safe Harbor QM and subject to Appendix Q documentation requirements. 1065's must be signed for both years. Bower owns 34%. Exception remains. Seller Comment (2019-05-22): Disagree the 1065�s need to be signed as the income from Gilbertson Additions LLC was not needed to qualify the borrower. The attached 2016 and 2017 K-1�s reflect either positive or no income (depletion can be added back for 2017). The product guidelines state tax returns are not required if self-employment income and/or zero income is reported and not needed to qualify. Seller Comment (2019-05-21): The Verification of Employment for Gunnar Rawlings at Cristo Rey Dallas Corporate Work St shows dates of employment from 7/1/15 to 10/31/17. The 2016 W-2 for Gunnar S Rawlings at Cristo Rey Dallas Corporate Work Study Program, Inc. is in the file. Per � 1026.43(c)(4), IRS Form W-2s or similar IRS forms used for reporting wages or tax withholding are sufficient for verification of income. The borrower is a wage earner. The borrower�s 2016 W-2 or tax return transcript is not required to document income. 05/24/2019     1 A 07/09/2018 CO Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687742 26508812 504918412 11805596 26508812-25158 05/10/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock documentation was not provided.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/09/2018 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687742 26508812 504918412 11805597 26508812-6583 05/10/2019 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 $144.38 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Acknowledged.         05/10/2019   1 A 07/09/2018 CO Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687742 26508812 504918412 12025720 26508812-25319 05/24/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-28): Client Elects to Waive     05/28/2019 2 B 07/09/2018 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687743 26508813 505029888 11791082 26508813-5322 05/09/2019 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. LE's in file do not reflect cash to or from Borrower on a refinance transaction     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 02/13/2019 FL Primary Refinance - Rate/Term Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687744 26508814 504968771 11782228 26508814-23688 05/09/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Shortfall of $92,600. Insurer's replacement cost estimator not in file.     Reviewer Comment (2019-05-24): Replacement cost provided Reviewer Comment (2019-05-22): AMC tests hazard coverage in accordance with Fannie Mae, which requires coverage equal to or the lesser of the following: 1) 100% of the insurable value of the improvements, as established by the property insurer; or 2) the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount�80% of the insurable value of the improvements�required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. Option 2 was utilized. Borrower has enough to cover loan balance but also need 80% of estimated cost new of $809,500.00 * 80% = 647,600.00 - 444,000.00 -111,000.00 (additional 25%) = $92,600.00 short coverage by. Exception remians. Seller Comment (2019-05-22): Please see the attached insurance document which states the following " Additional Coverage: Your Home Protector coverage provides you with an additional 25% of dwelling or other structure coverage. Insurance Up to Estimated Minimum Rebuilding Cost: We are unable to insure your property for the loan amount as you requested however, as shown above we're insuring your property up to the minimum rebuilding cost as allowed by California Law, CA Civil Code, Section 2955.5." The additional dwelling cover is $111,000.00. The Dwelling coverage along with the additional 25% should be sufficient based on the California Law, CA Civil Code, Section 2955.5. Seller Comment (2019-05-21): See attached insurance document 05/24/2019     1 A 09/22/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687744 26508814 504968771 11782488 26508814-6572 05/09/2019 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/08/29/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/22/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687744 26508814 504968771 11782489 26508814-3867 05/09/2019 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 excessive points and fees.     Reviewer Comment (2019-05-28): QM fee test was provided showing the starting adjusted rate Reviewer Comment (2019-05-21): Documentation provided does not include the Starting Adjusted Rate or the Undiscounted Interest Rate Price to determine if points are bona fide Seller Comment (2019-05-16): Disagree with finding. See uploaded Predatory testing results showing the Points and Fees do not exceed the amount allowed due to Bona Fide Discount Point calculation. 05/28/2019     1 A 09/22/2018 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
206687744 26508814 504968771 11782490 26508814-2683 05/09/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.89829% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $18,073.80 on a Federal Total Loan Amount of $463,634.47 vs. an allowable total of $13,909.03 (an overage of $4,164.77 or .89829%). Loan contains excessive points and fees.     Reviewer Comment (2019-05-28): QM fee test was provided showing the starting adjusted rate Reviewer Comment (2019-05-24): The high cost analysis only shows the APR, Benchmark and APOR. The Adjusted undiscounted rate was not provided. Seller Comment (2019-05-23): Please see new documentation provided which includes the Starting Adjusted Rate as requested. Reviewer Comment (2019-05-21): Documentation provided does not include the Starting Adjusted Rate or the Undiscounted Interest Rate Price to determine if points are bona fide Seller Comment (2019-05-16): Disagree with finding. See uploaded Predatory testing results showing the Points and Fees do not exceed the amount allowed due to Bona Fide Discount Point calculation. 05/28/2019     1 A 09/22/2018 CA 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687744 26508814 504968771 11782491 26508814-4371 05/09/2019 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) Notary date is 09/22/18.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/22/2018 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
206687744 26508814 504968771 11782492 26508814-4611 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Discount Point Percentage TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 09/17/2018 disclosed Discount Point percentage that does not match disclosed calculated percentage of loan amount. (Final/09/17/2018) 3.336 Discount should be $16098.20 and not $16098.80.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/22/2018 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
206687744 26508814 504968771 11807861 26508814-4436 05/10/2019 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/08/29/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/22/2018 CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687746 26508817 505009924 11794496 26508817-6572 05/09/2019 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/11/30/2018) Evidence in the file indicates that the final Appraisal was emailed to the borrower; however, there is no evidence to support the borrower having received the appraisal a minimum of 3 business days prior to closing.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 12/04/2018 CA Primary Refinance - Rate/Term   D B D A B B A A Safe Harbor QM Safe Harbor QM No
206687746 26508817 505009924 11812023 26508817-2922 05/10/2019 Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal not provided   The file provides documentation which supports that an earlier appraisal was provided which was not submitted for review. The effective date of the appraisal was 11/07/2018; however, it was not signed until 11/30/18. An email, however, was sent to the Borrower on 11/13/18 which included a copy of the appraisal and an additional emailed appraisal was sent 11/30/18.     Reviewer Comment (2019-05-15): Appraisal was provided. Condition is cleared. Seller Comment (2019-05-13): See attached Appraisal with Date of Signature and Report 11/09/2018. 05/15/2019     1 A 12/04/2018 CA Primary Refinance - Rate/Term   D B D A B B A A Safe Harbor QM Safe Harbor QM No
206687751 26508824 504989079 11795536 26508824-2210 05/09/2019 Compliance Compliance State Compliance Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/26/2018 OH Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687751 26508824 504989079 11795537 26508824-5320 05/09/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 10/26/2018 disclosed a negative fee amount. (Final/10/26/2018) Final CD disclosed a negative Title - Reissue Owner Fee of $794.53 paid by the Seller.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 10/26/2018 OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687751 26508824 504989079 11795539 26508824-3879 05/09/2019 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. Evidence that borrower received copy of Your Home Loan Toolkit Disclosure was not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 10/26/2018 OH Primary Purchase No Defined Cure B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687752 26508825 504957971 11796034 26508825-5683 05/09/2019 Compliance Compliance Federal Compliance Wages Documentation Qualified Mortgage (Dodd-Frank 2014): Wages / W-2 income documentation not sufficient. (xxxxx/Wages) File is missing a recent paystub. Note date 08/20/18 and borrower's start date 08/21/18.     Reviewer Comment (2019-05-17): Income was changed to projected income and exceptions were cancelled. Seller Comment (2019-05-14): 5/14: Disagree. Employment meets Appendix Q requirements for projected income for new job. Borrower new employment starting within 60 days of closing. Additional reserves not required based on start date versus loan closing date. A paystub would not be available based on employment start date being one day after loan closing.       1 A 08/20/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687752 26508825 504957971 11796035 26508825-25579 05/09/2019 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/08/14/2018) Borrower acknowledged receipt. (Doc 227)     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/20/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687752 26508825 504957971 11796133 26508825-3315 05/09/2019 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. (Snelling,Lauren National YoungArts Foundation/Wages) File is missing a recent paystub. Note date 08/20/18 and borrower's start date 08/21/18.     Reviewer Comment (2019-05-17): Income was changed to projected income and exceptions were cancelled. Seller Comment (2019-05-14): Disagree. Employment meets Appendix Q requirements for projected income for new job. Borrower new employment starting within 60 days of closing. Additional reserves not required based on start date versus loan closing date. A paystub would not be available based on employment start date being one day after loan closing.       1 A 08/20/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687752 26508825 504957971 11796134 26508825-4204 05/09/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. File is missing a recent paystub. Note date 08/20/18 and borrower's start date 08/21/18.     Reviewer Comment (2019-05-17): Income was changed to projected income and exceptions were cancelled.       1 A 08/20/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687752 26508825 504957971 11796136 26508825-3867 05/09/2019 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. File is missing a recent paystub. Note date 08/20/18 and borrower's start date 08/21/18.     Reviewer Comment (2019-05-17): Income was changed to projected income and exceptions were cancelled. Seller Comment (2019-05-14): Disagree. A paystub is not required and employment meets Appendix Q requirements for projected income for new job. Letter from employer with start date that was one day after loan closing.       1 A 08/20/2018 FL Primary Purchase Lender to provide updated ATR/QM status B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687752 26508825 504957971 11824568 26508825-3495 05/11/2019 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/08/14/2018) Borrower received a copy of the appraisal on 08/06/18.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/20/2018 FL Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687754 26508828 504933092 11812742 26508828-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $6,475.50 and disclosure timing violations. E Consent not provided.     Reviewer Comment (2019-05-17): AMC received E Consent dated 06/08/2018. Exception Cleared. Seller Comment (2019-05-16): Please see the attached e-consent Reviewer Comment (2019-05-13): Regraded to EV3-C 05/17/2019     1 A 07/30/2018 TX Primary Refinance - Rate/Term No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687754 26508828 504933092 11817474 26508828-4850 05/10/2019 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 07/27/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/27/2018) Calculating Cash to Close: Final Closing Disclosure provided on 07/27/2018 disclosed an inaccurate value of the dollar amount ($370.11) by which the Total Closing Costs exceeded the legal limit.     Reviewer Comment (2019-05-13): All tolerance cures completed at closing 05/13/2019     1 A 07/30/2018 TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687754 26508828 504933092 11817480 26508828-6542 05/10/2019 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 $625.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Cure for Appraisal Fee of $625 was not provided. UPDATED 5/13: Tolerance cure of $370.11 provided at closing.     Reviewer Comment (2019-05-13): Cured at closing 05/13/2019     1 A 07/30/2018 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 A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687754 26508828 504933092 11817481 26508828-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $3.46 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75188) Cure for Title - Electronic Document Delivery fee of $3.46 was not provided.     Reviewer Comment (2019-05-13): Cleared at closing 05/13/2019     1 A 07/30/2018 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 A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687754 26508828 504933092 11817733 26508828-25838 05/10/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address:xxxx Statement Missing mortgage statement(s) and insurance document.     Reviewer Comment (2019-05-16): Received verification of PITI. Issue cleared. Seller Comment (2019-05-14): See attached PITI documentation for 9507 Dalewood Drive. The UW used the payment of $1190 on the credit report as the P&I. The taxes and insurance were then added on top of that. 05/16/2019     1 A 07/30/2018 TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM No
206687754 26508828 504933092 11912071 26508828-6583 05/17/2019 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 $625.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)           05/17/2019   1 A 07/30/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687754 26508828 504933092 11912072 26508828-6583 05/17/2019 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 - Electronic Document Delivery Fee. Fee Amount of $3.46 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75188)           05/17/2019   1 A 07/30/2018 TX Primary Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
206687756 26508830 504933042 11813952 26508830-7455 05/10/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Rajabali,Rishad 200 East Lake Properties/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016. Also, missing third party verification to verify how long business has been in existence and that business is still active at the time of closing.     Reviewer Comment (2019-05-24): The business was not active in 2015 so the requirement for the signed 2015 year returns is not valid. 2016 is the first year reporting. Seller Comment (2019-05-23): Please see the attached VOE along with page 1 of the 1120S which reflects the date incorporated. Seller Comment (2019-05-15): Please see LOE which states the borrower is the owner of a number of Dunkin Donuts with each one being its own corporation. Rajabali Group manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. Seller Comment (2019-05-15): Please see LOE which states the borrow is the owner of a number of Dunkin Donuts with each one being its own corporation. Rajabali Group manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813953 26508830-7455 05/10/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Rajabali,Rishad 210 East Lake Properties/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016. Also, missing third party verification to verify how long business has been in existence and that business is still active at the time of closing.     Reviewer Comment (2019-05-24): The business was not active in 2015 so the requirement for the signed 2015 year returns is not valid. 2016 is the first year reporting. Seller Comment (2019-05-23): Please see the attached VOE along with page 1 of the 1120S which reflects the date incorporated Seller Comment (2019-05-15): Please see LOE which states the borrow is the owner of a number of Dunkin Donuts with each one being its own corporation. Rajabali Group manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813955 26508830-7455 05/10/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Rajabali,Rishad Lombard Plaza/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016. Also, missing third party verification to verify how long business has been in existence and that business is still active at the time of closing.     Reviewer Comment (2019-05-24): The income source from this business is not required to be used to qualify. The borrower listed several duplicate interest expenses that created a false negative. Reviewer Comment (2019-05-24): This business began in 2013 so the loan images only contain the 2016 tax returns. The images are missing the 2015 signed business returns to meet the two year requirement. Seller Comment (2019-05-23): Please see the attached VOE along with page 1 of the 1120S which reflects the date incorporated Seller Comment (2019-05-15): Please see LOE which states the borrower is the owner of a number of Dunkin Donuts with each one being its own corporation. Rajabali Group manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813956 26508830-7455 05/10/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Rajabali,Rishad One Trg Plaza/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016. Also, missing third party verification to verify how long business has been in existence and that business is still active at the time of closing.     Reviewer Comment (2019-05-24): The business was not active in 2015 so the requirement for the signed 2015 year returns is not valid. 2016 is the first year reporting. Seller Comment (2019-05-23): Please see the attached VOE along with page 1 of the 1120S which reflects the date incorporated Seller Comment (2019-05-15): Please see LOE which states the borrower is the owner of a number of Dunkin Donuts with each one being its own corporation. xxxxx manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813957 26508830-7455 05/10/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016. Also, missing third party verification to verify how long business has been in existence and that business is still active at the time of closing.     Reviewer Comment (2019-05-24): The business was not active in 2015 so the requirement for the signed 2015 year returns is not valid. 2016 is the first year reporting. Seller Comment (2019-05-23): Please see the attached VOE along with page 1 of the 1120S which reflects the date incorporated Seller Comment (2019-05-15): Please see LOE which states the borrower is the owner of a number of Dunkin Donuts with each one being its own corporation. xxxx manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813962 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/Partnership) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive Seller Comment (2019-05-15): Please see LOE which states the borrower is the owner of a number of xxxxs with each one being its own corporation. xxxx manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying.     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813963 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive Seller Comment (2019-05-15): Please see LOE which states the borrower is the owner of a number of Dunkin Donuts with each one being its own corporation. xxxx manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns.     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813964 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813965 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. xxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813966 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813967 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Streamwood Donuts/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813968 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Barrington Donuts/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813969 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Glen Ellyn Donuts/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813970 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Lake/Park Bartlett, LLC/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813971 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad The Rajabali Group, Inc/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813972 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813974 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (RxxxxxS-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813975 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813976 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad 210 East Lake Properties/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813977 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813978 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813979 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813980 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813981 26508830-7456 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxx/Schedule C) Missing 2017 extension for business return, most recent business return provided is for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11813982 26508830-3126 05/10/2019 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. LO Compensation disclosure not provided.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814017 26508830-1236 05/10/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - S-Corp Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (Rajabali,Rishad 200 East Lake Properties/S-Corp) Missing third party verification to verify how long business has been in existence and that business is still active at time of closing. (CPA, business lic., business entity listing, etc.)     Reviewer Comment (2019-05-22): Condition changed Seller Comment (2019-05-15): Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. Seller Comment (2019-05-15): Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. 05/22/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814019 26508830-4204 05/10/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Insufficient income documentation provided for self employed businesses. Exceptions added.     Reviewer Comment (2019-05-22): Condition changed 05/22/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814020 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxPartnership) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814021 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814022 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814023 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rxxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814024 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814025 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814026 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814027 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814028 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxC/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814029 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814031 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814033 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Westmont Donut/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814034 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Lombard Donuts/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814035 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad 210 East Lake Properties/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814036 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxxs/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814037 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxa/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814038 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814039 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) The income documentation provided is insufficient as required per Appendix Q Safe Harbor. File is missing extension for 2017     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814040 26508830-20305 05/10/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxxy/Schedule C) 2017 extension for personal tax returns provided, business is Sch C, most recent tax return provided is 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814042 26508830-3867 05/10/2019 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. The loan is failing the loan designation due to insufficient income documentation.     Reviewer Comment (2019-05-28): SHQM Loan Seller Comment (2019-05-24): There was no 1120S for xxxx in 2015. The real estate activity was reported on the personal returns Sch E. See the attached document(s) showing that xxxx was reported on the Sch E in 2015 but not in 2016. 2016 xxxx (first two pages) also attached.. Reviewer Comment (2019-05-24): The loan designation remains Non QM pending further income documentation. Seller Comment (2019-05-15): The borrower is the owner of a number of xxxxwith each one being its own corporation. xxxx manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. Loan meets ATR/QM requirements 05/28/2019     1 A 07/23/2018 IL 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
206687756 26508830 504933042 11814043 26508830-2683 05/10/2019 Compliance Compliance Federal Compliance QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.03221% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $19,193.40 on a Federal Total Loan Amount of $632,984.18 vs. an allowable total of $18,989.52 (an overage of $203.88 or .03221%). Points and fees exceed 3% of the loan amount by .03221%.     Reviewer Comment (2019-05-24): Bona Fide worksheet provided. Discount points can be excluded form test. Exception cleared. Seller Comment (2019-05-17): 5/17/19- Disagree with finding. Please review the QM Points & Fees test results uploaded 05/24/2019     1 A 07/23/2018 IL 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
206687756 26508830 504933042 11814044 26508830-6623 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/23/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/07/23/2018) Lender contact not provided     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL 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
206687756 26508830 504933042 11814045 26508830-7038 05/10/2019 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/07/19/2018) No evidence of when borrower received 7/19 CD     Reviewer Comment (2019-05-19): ESign provided Seller Comment (2019-05-17): 5/17/19- Initial CD was provided via electronic delivery on 7/19/18 and acknowledged by borrowers on 7/19/18. See Loan Summary uploaded 05/19/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814046 26508830-3988 05/10/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 07/17/2018 not received by borrower at least four (4) business days prior to closing. (Interim/07/17/2018) No evidence of when borrower received 7/19 CD     Reviewer Comment (2019-05-19): Esign provided Seller Comment (2019-05-17): 5/17/19- Revised Loan Estimate was provided via electronic delivery and acknowledged by borrowers on 7/17/18 05/19/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11814047 26508830-7042 05/10/2019 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 loan is a lender to lender refinance, an H-9 form is required, however lender used and H-8 form.     Reviewer Comment (2019-05-22): Client elects to waive.     05/22/2019 2 B 07/23/2018 IL 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 Safe Harbor QM Safe Harbor QM Yes
206687756 26508830 504933042 11827459 26508830-7455 05/12/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp) Missing 2017 extension for business, most recent business returns provided are for 2016. Also, missing third party verification to verify how long business has been active and that business is still active at time of closing. (CPA letter, business lic., business entity listing, etc.)     Reviewer Comment (2019-05-24): The need for the 2015 returns is not required as the business was not active until 2016. Seller Comment (2019-05-23): Please see the attached VOE along with page 1 of the 1120S which reflects the date incorporated Seller Comment (2019-05-15): Please see LOE which states the borrower is the owner of a number of Dunkin Donuts with each one being its own corporation. Rajabali Group manages all the corporations and the borrower is paid a salary of $10,000.00 per month. The additional income comes from Schedule E income, corporate earning using K1 income. Borrowers filed 2017 extension for personal tax returns. Negative income was used for qualifying. �Verification of self-employed businesses by a third-party source is not required, as no income from the self-employed business was used for qualification purposes.� Under � 1026.43(c)(2)(ii), a creditor must verify a consumer's current employment status only if the creditor relies on the consumer's employment income in determining the consumer's repayment ability. For example, if a creditor relies wholly on a consumer's investment income to determine repayment ability, the creditor need not verify or document employment status. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11827460 26508830-7456 05/12/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Trg Capital Management/S-Corp) Missing 2017 extension for business, most recent business returns provided are for 2016.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11827462 26508830-20305 05/12/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rajabali,Rishad Trg Capital Management/S-Corp) Missing 2017 extension for business, most recent business returns provided are for 2016. 2017 extension in file for personal tax returns (2017).     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11827463 26508830-3136 05/12/2019 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. Counseling list not dated.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11827464 26508830-4376 05/12/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/23/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/07/23/2018) .The final CD reflects a finance charge of $554,991.21, actual calculated finance charge is $555,041.21, a difference of $50.     Reviewer Comment (2019-05-20): AMC received required documents, exception is cleared. Seller Comment (2019-05-17): The $50 demand fee is/was not an inclusionary fee in the APR calculation. 05/20/2019     1 A 07/23/2018 IL 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 A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687756 26508830 504933042 11836033 26508830-1034 05/13/2019 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. (Rajabali,Rishad Mesquite County Business Venture/Partnership)       Reviewer Comment (2019-05-24): The losses used to qualify were the highest and as the businesses model is in flux each business will gain or loose income as the shift for management and employees change. The losses were used to qualify and no further documentation is required. Seller Comment (2019-05-15): YTD evidenced a decline but it appears there is an error on the YTD P & L with $0 depreciation. The 2015/2016 returns and 2017 P&L all evidence substantial depreciation. The method used for qualifying is acceptable and more conservative. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11836034 26508830-1034 05/13/2019 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. (Rajabali,Rishad Westmont Donut/S-Corp)       Reviewer Comment (2019-05-24): The losses used to qualify were the highest and as the businesses model is in flux each business will gain or loose income as the shift for management and employees change. The losses were used to qualify and no further documentation is required. Seller Comment (2019-05-15): While 2017 income can be used to qualify the borrower, the method used is acceptable to calculate qualifying income. The qualifying income was calculated using YTD P&L $9323.66/6. The borrower's Income was declining therefore YTD from P& L was more conservative than using the 2017. 05/24/2019     1 A 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11983819 26508830-7456 05/22/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Rxxxxx/S-Corp)       Reviewer Comment (2019-05-24): Client Elects to Waive     05/24/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687756 26508830 504933042 11983828 26508830-20305 05/22/2019 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 06/12/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) P&L provided     Reviewer Comment (2019-05-28): Client Elects to Waive     05/28/2019 2 B 07/23/2018 IL Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687758 26508836 504918510 11803802 26508836-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $5,372.00 and disclosure timing violations. Not found on documents.     Reviewer Comment (2019-05-23): Provided Seller Comment (2019-05-22): E-consent has been provided Reviewer Comment (2019-05-13): Regraded to EV3-C 05/23/2019     1 A 06/20/2018 TX Second Home Refinance - Cash-out - Other No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687758 26508836 504918510 11803807 26508836-6543 05/10/2019 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 $188.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803808 26508836-6542 05/10/2019 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 $2,663.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803809 26508836-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803810 26508836-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $525.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803811 26508836-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $22.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7346) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803812 26508836-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Closing Protection Letter Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7366) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803813 26508836-6542 05/10/2019 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 $925.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803814 26508836-6542 05/10/2019 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 $122.15 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803815 26508836-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803816 26508836-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $13.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7575) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803817 26508836-6542 05/10/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $10.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11803819 26508836-6542 05/10/2019 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 $99.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) Missing esign consent.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 06/20/2018 TX 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 B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687758 26508836 504918510 11830405 26508836-25838 05/13/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: 1269 Falcon Dr, Grapevine, TX Statement       Reviewer Comment (2019-05-16): Received mortgage statement Seller Comment (2019-05-14): See attached proof Chase mortgage is tied to 1xxxxx, along with the credit report for P&I, tax bill, insurance policy and HOA dues. 05/16/2019     1 A 06/20/2018 TX Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687758 26508836 504918510 11831283 26508836-4357 05/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/21/2018 incorrectly disclosed whether the loan allows for Assumption. (Final/06/21/2018) Final CD will allow assumption.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/20/2018 TX Second Home 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
206687758 26508836 504918510 11831284 26508836-18360 05/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Purpose Test TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/21/2018 disclosed a Purpose that does not match the actual purpose for the loan. (Final/06/21/2018) Final CD reflects the purpose as a Home Equity Loan     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/20/2018 TX Second Home 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
206687758 26508836 504918510 11831285 26508836-25503 05/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,600.00 on Final Closing Disclosure provided on 06/21/2018 not accurate. (Final/06/21/2018) Final CD reflects property cost over 1 year as $6,600 vs calculated $10,205.52     Reviewer Comment (2019-05-24): AMC received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2019-05-23): Corrected CD has been provided. Reviewer Comment (2019-05-23): The verified HOI premium is $2600 and taxes annual $7605.50 for a monthly cost of $850.46 however the final CD only listed a monthly payment of $550.00 Seller Comment (2019-05-22): Disagree - Calculation is accurate. What amounts are being used to calculate $10,205.52?   05/24/2019   2 B 06/20/2018 TX Second Home 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
206687758 26508836 504918510 11831286 26508836-4850 05/13/2019 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 06/21/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/21/2018) Final CD reflects tolerance cure for fees exceeding the limit as $22.15     Reviewer Comment (2019-05-13): Cured at closing 05/13/2019     1 A 06/20/2018 TX Second Home 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
206687758 26508836 504918510 11833613 26508836-4436 05/13/2019 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/06/05/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/20/2018 TX Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687758 26508836 504918510 11848937 26508836-6583 05/13/2019 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 $122.15 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) cured at closing         05/13/2019   1 A 06/20/2018 TX Second Home Refinance - Cash-out - Other Final CD evidences Cure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687760 26508838 504944409 11825936 26508838-4826 05/11/2019 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 08/03/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/03/2018) Missing esign consent. If provided will clear up Total tolerance violation of $3,416.80.     Reviewer Comment (2019-05-17): AMC reviewed exception. Fee was paid to same provider. Exception Cleared. 05/17/2019     1 A 08/06/2018 IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687760 26508838 504944409 11825937 26508838-3879 05/11/2019 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. Missing Home Loan Toolkit Disclosure     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/06/2018 IN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687760 26508838 504944409 11825939 26508838-6543 05/11/2019 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 $115.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Total amount of $115.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825940 26508838-6542 05/11/2019 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 $1,358.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Loan Discount Points. Fee Amount of $1,358.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825941 26508838-6542 05/11/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7319) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Document Preparation Fee Amount of $65.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825942 26508838-6542 05/11/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Processing Fee Amount of $295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825943 26508838-6542 05/11/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Administration Fee Amount of $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825944 26508838-6542 05/11/2019 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 $440.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Appraisal Fee Amount of $440.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825945 26508838-6542 05/11/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75127) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Funding Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825946 26508838-6542 05/11/2019 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 $74.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Credit Report Fee Amount of $74.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825947 26508838-6542 05/11/2019 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 $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7539) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the MERS Fee Amount of $11.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825948 26508838-6542 05/11/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $14.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Flood Certification (Life Of Loan) Fee Amount of $14.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825949 26508838-6542 05/11/2019 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 $93.85 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Tax Service Fee (Life Of Loan) Amount of $93.85 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-13): Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees. 05/13/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825950 26508838-6542 05/11/2019 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 $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7727) The initial Loan Estimate (LE) was signed electronically; however, the subject file failed to contain the Borrowers' consent to receive electronic documents. As a result, fees disclosed on the LE cannot be used in the tolerance review. Therefore the Title - Examination Fee Amount of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.     Reviewer Comment (2019-05-17): AMC reviewed exception. Fee was paid to same provider. Exception Cleared. Seller Comment (2019-05-16): E-Consent document uploaded, please re-review the tolerances 05/17/2019     1 A 08/06/2018 IN 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
206687760 26508838 504944409 11825951 26508838-6297 05/11/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $3,416.80 and disclosure timing violations. Missing esign consent.     Reviewer Comment (2019-05-17): AMC received E Consent dated 07/05/2018. Exception Cleared. Seller Comment (2019-05-16): Attached please find E-Consent Reviewer Comment (2019-05-13): Regraded to EV3-C 05/17/2019     1 A 08/06/2018 IN Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687760 26508838 504944409 11826891 26508838-3482 05/12/2019 Compliance Compliance Miscellaneous Compliance Family Owned Business Ownership Verification Qualified Mortgage (Dodd-Frank 2014): Borrower employed by Family Owned Business did not provide satisfactory evidence that he/she is not owner of the business. (xxxxx/Wages) Due to co-borrower employed by spouse family member, guidelines require verification of the co-borrower�s percentage of ownership, confirmation from an accountant or legal counsel.     Reviewer Comment (2019-05-22): Borrower is a wage earner and has no ownership interest in the borrower's business Seller Comment (2019-05-21): Please see the attached: Per Appendix Q, in addition to normal verification, a consumer employed by a family owned business must provide evidence that they are not an owner by providing copies of the signed corporate tax return showing ownership percentage. The file contains this documentation. Any requirement over and above is therefore an investor overlay. The verbal appears to incorrectly identify the borrower as owner. Instead, according to form 1125-E Compensation of Officers, the co-borrower is an officer with 0% ownership. However, if the co-borrower had ownership, no additional documents would be required as the corporate and personal tax returns, P&L and Balance Sheet have already been provided. The co-borrower's income was calculated based on a 24 month average. Reviewer Comment (2019-05-17): Co-borrower position on final and VVOE is listed as "Owner". Exception remains, Seller Comment (2019-05-14): Per xxxxguidelines borrowers who are employed by a family member are considered to be self-employed, regardless of the percentage of ownership, and self-employed documentation is required. The business tax returns were prepared by the borrowers' CPA and the K-1's confirm Craig has 100% ownership. The printout in the file from the Indiana Secratary of State supports that as only Gary is listed as an Agent. The loan file contains two years of personal and business tax returns, K-1's and W2's. 05/22/2019     1 A 08/06/2018 IN Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687760 26508838 504944409 11826893 26508838-3867 05/12/2019 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 CPA/legal counsel verification of the percentage of business owned, the Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.     Reviewer Comment (2019-05-22): Borrower is a wage earner and has no ownership interest in the borrower's business Seller Comment (2019-05-21): Please see the attached. Per Appendix Q, in addition to normal verification, a consumer employed by a family owned business must provide evidence that they are not an owner by providing copies of the signed corporate tax return showing ownership percentage. The file contains this documentation. Any requirement over and above is therefore an investor overlay. The verbal appears to incorrectly identify the borrower as owner. Instead, according to form 1125-E Compensation of Officers, the co-borrower is an officer with 0% ownership. However, if the co-borrower had ownership, no additional documents would be required as the corporate and personal tax returns, P&L and Balance Sheet have already been provided. The co-borrower's income was calculated based on a 24 month average. Reviewer Comment (2019-05-17): Co-borrower position on final and VVOE is listed as "Owner". Exception remains, Seller Comment (2019-05-14): Per xxxx guidelines borrowers who are employed by a family member are considered to be self-employed, regardless of the percentage of ownership, and self-employed documentation is required. The business tax returns were prepared by the borrowers' CPA and the K-1's confirm Craig has 100% ownership. The printout in the file from the Indiana Secratary of State supports that as only Gary is listed as an Agent. The loan file contains two years of personal and business tax returns, K-1's and W2's. 05/22/2019     1 A 08/06/2018 IN Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687760 26508838 504944409 11846745 26508838-6542 05/13/2019 Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75206) Initial LE issued by Broker was digitally signed prior to the eConsent from the Lender. Based on guidance from OC missing eConsent or eConsent obtained after initial LE would result in EV3 timing violation but can still be used to set baseline for fees.     Reviewer Comment (2019-05-13): Disclosed on initial LE in Section C and then moved to Section B, results in 10% tolerance category. However, all other 10% fees do not violate 10% tolerance allowance. 05/13/2019     1 A 08/06/2018 IN 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
206687761 26508839 504955347 11798786 26508839-855 05/09/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/06/2018 Disaster End Date: 04/02/2019 Disaster Name: SEVERE WINTER STORM, STRAIGHT-LINE WINDS, AND FLOODING Disaster Declaration Date: 03/21/2019       Reviewer Comment (2019-05-20): Post disaster property inspection report was located in loan file. Condition is cancelled. Seller Comment (2019-05-20): See PDI Reviewer Comment (2019-05-17): Please provide copy of page number of PDI as it is not evidenced in loan file. Thanks Seller Comment (2019-05-14): 5/13/19- Disagree with finding. See uploaded Post Disaster Inspection completed 4/2/19 and was part of the loan documents provided for review       1 A 08/27/2018 NE Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687761 26508839 504955347 11799205 26508839-4826 05/09/2019 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 08/24/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/24/2018) Cure not provided at closing     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/27/2018 NE Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206687761 26508839 504955347 11799206 26508839-3879 05/09/2019 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. Home Loan Toolkit Disclosure is not included in the file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/27/2018 NE Primary Purchase No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687761 26508839 504955347 11799208 26508839-6542 05/09/2019 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 $63.70 exceeds tolerance of $45.00. Insufficient or no cure was provided to the borrower. (7520) The binding LE reflects a credit report fee in the amount of $45, however the final CD reflects a credit report fee of $63.70. No cure or valid COC provided.     Reviewer Comment (2019-05-14): AMC reviewed exception. A lender credit of $18.70 was provided on the CD. Exception Cleared. Seller Comment (2019-05-13): See attached CD dated 8/24/18 showing lender credit of $18.70 05/14/2019     1 A 08/27/2018 NE 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
206687761 26508839 504955347 11813044 26508839-6542 05/10/2019 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 $1,334.00 exceeds tolerance of $1,330.00. Insufficient or no cure was provided to the borrower. (7200) The binding LE reflects a discount points fee in the amount of $1,330, however the final CD reflects a discount points fee of $1,334. No cure or valid COC provided.     Reviewer Comment (2019-05-21): AMC received 08/09/2018 COC. Exception Cleared. Seller Comment (2019-05-20): The revised loan estimate was issued to the borrower when the purchase price changes, the purchase price changed resulting in a loan amount changes in which the charge of .25 discount point was being charged. Since the loan amount went up that increased the discount point charged. See attached COC history. 05/21/2019     1 A 08/27/2018 NE 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
206687761 26508839 504955347 11864648 26508839-6520 05/14/2019 Compliance Compliance Miscellaneous Compliance Miscellaneous Compliance: Non-Material Compliance Exception:   The lender credit $18.70 is noted on the Final CD however it was applied to cure therefore should be applied a general lender credit with the cure amount noted on section J of page 2 and calculated cash to close section on page 3. Please provide corrected CD and LOE to cure.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/27/2018 NE Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687761 26508839 504955347 11941272 26508839-25319 05/20/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 08/27/2018 NE Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687762 26508841 504919994 11812290 26508841-4824 05/10/2019 Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 07/09/2018 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/07/09/2018) Appraisal fee is paid to Lender. A copy of the appraisal invoice was not included in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/09/2018 MI Primary Purchase Good Faith Redisclosure C B C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687762 26508841 504919994 11813107 26508841-20080 05/10/2019 Credit Income / Employment Income Documentation Large deposits were not sourced and/or letter of explanation was not provided.   Borrower shows a large deposit on 04/10/2018 for $150,000 in their xxxxx. Evidence of the source of these funds was not provided in the file. Please provide the source of this large deposit.     Reviewer Comment (2019-05-16): Documentation provided confirming source of $150,000 large deposit. Condition is cleared. Seller Comment (2019-05-13): See attached documentation from the file to verify the source of funds for the $150,000 deposit made to borrowers' xxxxx on 4/10/2018. 05/16/2019     1 A 07/09/2018 MI Primary Purchase   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687763 26508842 504970380 11792255 26508842-23688 05/09/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance is short by 181,964.00. Provided replacement cost estimator. Estimated cost new 4321,961.00 - 140,000.00 ( dwelling coverage) = $181.964.00 Short by.     Reviewer Comment (2019-05-16): The HOI provided was an HO6 and also provided was the HOA policy Seller Comment (2019-05-13): Disagree. Hazard insurance is sufficient. There is a master hazard insurance policy that reflects building coverage for the eight units of $2,134,020, that calculates to $266,752.50 per unit. Borrower has HO6 policy with dwelling coverage of $140,000. thus providing coverage of $406,752.50 ($266,752.50 per unit + $140,000 = $406,752.50). Estimated cost new per appraiser is $321,964 05/16/2019     1 A 10/02/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687763 26508842 504970380 11793129 26508842-6677 05/09/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxxx/2687386) Missing school transcripts for gaps from 03/14/2017-01/15/18 and 03/14/16 - 06/16/19.     Reviewer Comment (2019-05-21): Course Transcripts were provided to support the time in school which also filled any gaps of employment Seller Comment (2019-05-17): College transcripts to verify borrower was in school were in the file and are attached again. The current attachment only includes the school transcripts, whereas the attachment previously sent included employment and school transcripts within the same attachment that contained the full 2+ year work/school history. The school transcripts support borrower's school history withxxxxx, Fall and Winter 2017 from 3/13/2017 - 4/8/2018. Reviewer Comment (2019-05-16): The LOE provided by the borrower states time off was to attend school however there was no documentation provided to support that statement and confirm the dates in school. Seller Comment (2019-05-13): Documentation in file (and attached) supports a two year work/school history. Borrower was employed by Oracle from 9/20/2014 - 3/14/2016. Documentation suggests a 3 month gap between Oracle and initial start date at Brainyak Inc., although this timeframe is prior to the most recent two years prior to closing. Borrower was employed with xxxxfrom 6/20/2016 - 2/6/2017. Work Number VOE documents this employment and while 2016 W2 wages were not reporting on the WVOE, borrower's 2016 W2 from Brainyak was in the file and earnings support the employment through that period. It appears borrower's LOX contained a typo indicating leaving position in February 2016 with Brainyak Inc. to advance career by taking classes as documentation supports borrower left position with Brainyak in February 2017. Transcripts were in the file and are also attached and support borrower's school history for Spring, Fall and Winter 2017 from 3/13/2017 - 4/8/2018. While this does reflect a minor gap while borrower was transition between employment and school, the gap was 35 days, exceeded by five days. Appendix Q requires verification of most recent two full years and for consumer to explain gap that span one or more months. As previously stated, the gap extended one month by five days and LOX and documentation supports reasonable explanation for gap. Borrower started current position 1/16/2018 and remained with employer at time loan closed. 05/21/2019     1 A 10/02/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687763 26508842 504970380 11793130 26508842-3867 05/09/2019 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. Gap in employment for school without diploma or transcripts.     Reviewer Comment (2019-05-21): Course Transcripts were provided to support the time in school which also filled any gaps of employment Seller Comment (2019-05-17): College transcripts to verify borrower was in school were in the file and are attached again. The current attachment only includes the school transcripts, whereas the attachment previously sent included employment and school transcripts within the same attachment that contained the full 2+ year work/school history. The school transcripts support borrower's school history with Colorado State University-Global Campus for Spring, Fall and Winter 2017 from 3/13/2017 - 4/8/2018. Reviewer Comment (2019-05-16): The LOE provided by the borrower states time off was to attend school however there was no documentation provided to support that statement and confirm the dates in school. Seller Comment (2019-05-13): Disagree. Transcripts in file (and attached) support borrower attended school during most recent two years and employment/school history meets Appendix Q requirements: 2. Verifying Employment History. a. The creditor must verify the consumer's employment for the most recent two full years, and the creditor must require the consumer to: i. Explain any gaps in employment that span one or more months, and ii. Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers. 05/21/2019     1 A 10/02/2018 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
206687763 26508842 504970380 11909125 26508842-25319 05/16/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 10/02/2018 CO Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687764 26508843 504971418 11803287 26508843-25158 05/10/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. A Rate Lock Sheet was not located within the file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/25/2018 CA Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687764 26508843 504971418 11803616 26508843-6677 05/10/2019 Compliance Compliance Federal Compliance QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx/2687239) A 2 years consecutive employment history was not documented.     Reviewer Comment (2019-05-17): We had final 1003 reflects Self Employed income at the initial review. Exception cancelled. Seller Comment (2019-05-14): A two year employment/work history was verified with attached documentation. WVOE and VVOE provide employment dates and schedule C covers time period from May to November of 2017. W2's included in attachment with earnings supporting employment dates. Minimal employment gaps of less than 30 days. Per Appendix Q, I A.3(b) states: Creditors may favorably consider the stability of a consumer's income if he/she changes jobs frequently within the same line of work, but continues to advance in income or benefits. In this analysis, income stability takes precedence over job stability.Borrower's base salary increased from $140k at xxxxxt, to $170k at Proofpoint, to $180k at current position with Integrated Device Technology.       1 A 09/25/2018 CA Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687764 26508843 504971418 11803647 26508843-3867 05/10/2019 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. Failure due to verified work history gaps     Reviewer Comment (2019-05-17): We had prior year SCH C on 2017 1040's in the initial review/file. Exception cancelled. Seller Comment (2019-05-14): Disagree. A two year employment/work history was verified with attached documentation. WVOE and VVOE provide employment dates and schedule C covers time period from May to November of 2017. W2's included in attachment with earnings supporting employment dates. Minimal employment gaps of less than 30 days. Per Appendix Q, I A.3(b) states: Creditors may favorably consider the stability of a consumer's income if he/she changes jobs frequently within the same line of work, but continues to advance in income or benefits. In this analysis, income stability takes precedence over job stability.Borrower's base salary increased from $140k at xxxxt, to $170k at Proofpoint, to $180k at current position with Integrated Device Technology.       1 A 09/25/2018 CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687764 26508843 504971418 11810371 26508843-6583 05/10/2019 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 $56.25 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Sufficient or excess cure was provided to the borrower at Closing.         05/10/2019   1 A 09/25/2018 CA Primary Refinance - Cash-out - Other Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687764 26508843 504971418 11818656 26508843-4436 05/10/2019 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/09/10/2018)       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/25/2018 CA Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687764 26508843 504971418 11915984 26508843-24137 05/17/2019 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. (Alma/Kangas/2687239) We have a gaps of employment over 30 days from: 07/14/18 - 07/31/18, 03/03/18 - 03/18/1/ and 05/03/17 - 05/21/17.     Reviewer Comment (2019-05-21): Client elects to waive.     05/21/2019 2 B 09/25/2018 CA Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687765 26508844 504927416 11796743 26508844-5322 05/09/2019 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. Closing disclosure reflects Cash To or From borrower, remaining LE disclosures do not reflect Cash To or From     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/06/2018 FL Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687765 26508844 504927416 11813933 26508844-25580 05/10/2019 Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/15/2018) Waiver was signed for 3 day requirement and borrower was provided the appraisal at closing.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/06/2018 FL Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687766 26508847 504896810 11795461 26508847-5322 05/09/2019 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. This is a refinance transaction. CD's utilized reflect purchase transaction.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/31/2018 CA Primary Refinance - Rate/Term Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687766 26508847 504896810 11816009 26508847-4371 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/31/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/31/2018) Final CD and PCCD reflects Closing Date of 07/31/18,, but transaction consummation (mortgage notary) date was 08/02/18.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/31/2018 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
206687766 26508847 504896810 11816011 26508847-4397 05/10/2019 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 07/31/2018 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/07/31/2018) Final Cd page one reflects Borrower receiving $36,436.39; however, page 3 reflects cash to close to borrower is $103,936.39. CD page 3 Section L, reflects the new simultaneous mortgage twice as $67,500 and $67,500.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/31/2018 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
206687766 26508847 504896810 11816082 26508847-2666 05/10/2019 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 08/06/2018, prior to three (3) business days from transaction date of 08/02/2018. Right to Cancel was signed 08/02/18 with 3 days over on 08/06/18 and earliest funding date to occur on 08/07/18; however, final CD reflects a closing date of 07/31/18 and funding date of 08/06/18.     Reviewer Comment (2019-05-29): The lender opened ROR with a new PCCD, LOE and evidence of tracking and receipt. Seller Comment (2019-05-28): Please see the attached tracking for the RTC Reviewer Comment (2019-05-24): ROR expiration date is 5/28/2019 at midnight and able to clear on 5/29/2019 Seller Comment (2019-05-22): Attached please find rescission document Seller Comment (2019-05-22): Attached please fund rescission document Reviewer Comment (2019-05-16): Security Instrument was notarized on 08/02/18. Final CD was issued on 07/31/18 with a closing date 07/31/18 and disbursement date 08/06/18. RTC was signed on 08/02/18 with an expiration date of 08/06/18. Therefore the earliest disbursement date would be 08/07/18. Exception remains. Seller Comment (2019-05-13): Please see the attached CDs and Note   05/29/2019   2 B 07/31/2018 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687766 26508847 504896810 11816195 26508847-2909 05/10/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided   Final CD reflects a new simultaneous 2nd mortgage was closed with the subject loan for $67,500.00. A payment of $356.06 was included in the qualifying DTI ratios;l however, file does not contain a copy of the Note confirming the new obligation.     Reviewer Comment (2019-05-22): Provided Seller Comment (2019-05-21): The TCF second lien Note is attached. 05/22/2019     1 A 07/31/2018 CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687767 26508851 504993912 11802753 26508851-23687 05/10/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Flood insurance coverage amount is insufficient.   Flood Coverage of $125,000 is insufficient to cover at lease $250,000 resulting in a Coverage Shortfall of $125,000. Replacement cost from the insurer to determine coverage amount is sufficient was not provided.     Reviewer Comment (2019-05-21): replacement cost provided Reviewer Comment (2019-05-17): Please provide blanket policy. to determine if coverage is sufficient Seller Comment (2019-05-14): Disagree. See attached Standard Flood Insurance Application from Wright Flood that states the Replacement Cost is $125,000. Flood coverage is sufficient. 05/21/2019     1 A 11/20/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687767 26508851 504993912 11802755 26508851-23688 05/10/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI Coverage of $125,000 is insufficient to cover the Original Loan Amount that is $514,250 resulting in a Coverage Shortfall of $389,250. Replacement cost from the insurer to determine coverage amount is sufficient was not provided.     Reviewer Comment (2019-05-21): replacement cost provided Reviewer Comment (2019-05-17): AMC acknowledges HO-6, however HOA policy is not in file to confirm exterior improvements are included. Please provide blanket policy. Seller Comment (2019-05-14): he subject is an attached PUD. The Evidence of Property Insurance reflects the borrower having HO-6 coverage of $125,000. This exceeds 20% of the appraised value. The policy also states, "Replacement Cost/Dwelling Coverage". 05/21/2019     1 A 11/20/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687767 26508851 504993912 11827998 26508851-23477 05/13/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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. One or more of the personal and/or business tax returns are not signed/dated, as explicitly required by Appendix Q. However, the corresponding transcripts were provided with the unsigned/undated returns     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 11/20/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687767 26508851 504993912 11828105 26508851-7458 05/13/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (Sheppard,Jeffrey 3 Amigos Stables LLC/Partnership) 2017 Form 1065 provided, prior year K-1 reflects less than 25% ownership.     Reviewer Comment (2019-05-21): Signed dated tax returns provided for 2017, the period the consumer was more than 25% owner, therefore considered Self Employed Seller Comment (2019-05-20): xxxx acknowledges that the borrower is a 25.02% owner in 3 Amigos Stables LLC as of 2017. However, in 2016 the borrower had only 22.35% ownership in the company. As such, the borrower would not have a 1065 Partnership return for 2016. Reviewer Comment (2019-05-17): Borrower owns 25.02%. We only have 2017 1065's and 2017 & 2016 K1's. We need signed 2016 1065's. Exceptions remains. Seller Comment (2019-05-14): Due to the borrower having less than 25% ownership in 3 Amigos Stables in 2016, the borrower would not be provided with a 1065 Partnership return. Only the K-1 would be provided to the borrower for 2016. The Underwriter used a 24-month average and counted a loss of -$345/month against the borrower. See attached 2016/2017 K-1's, 2017 Partnership return, P&L and Balance Sheet and the Underwriter's income worksheet. 05/21/2019     1 A 11/20/2018 FL Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687767 26508851 504993912 11828140 26508851-3867 05/13/2019 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. Borrower owns 25.02%. We only have 2017 1065's and 2017 & 2016 K1's. We need signed 2016 1065's. Exceptions remains.     Reviewer Comment (2019-05-21): SHQM Loan Seller Comment (2019-05-20):xxxxx acknowledges that the borrower is a 25.02% owner in 3xxxxx as of 2017. However, in 2016 the borrower had only 22.35% ownership in the company. As such, the borrower would not have a 1065 Partnership return for 2016. Reviewer Comment (2019-05-17): Borrower owns 25.02%. We only have 2017 1065's and 2017 & 2016 K1's. We need signed 2016 1065's. Exceptions remains. Seller Comment (2019-05-14): See attached signed tax returns. The borrower would not have a 2016 Parternship return due to having less than 25% ownership for 2016. 05/21/2019     1 A 11/20/2018 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
206687772 26508864 504946174 11805734 26508864-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $15,114.06 and disclosure timing violations. Documents were signed electronically but no consent form was provided.     Reviewer Comment (2019-05-21): AMC received E Consent dated 07/16/2018. Exception Cleared. Seller Comment (2019-05-21): See E-Consent Attached Reviewer Comment (2019-05-13): Regraded to EV3-C 05/21/2019     1 A 08/23/2018 CA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687772 26508864 504946174 11805735 26508864-4357 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/23/2018 incorrectly disclosed whether the loan allows for Assumption. (Final/08/23/2018) Final Closing Disclosure incorrectly discloses that that the loan will allow for assumption; however, the subject transaction was a fixed rate transaction and the Note did not make allowance for assumption.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/23/2018 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
206687772 26508864 504946174 11805736 26508864-4376 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/23/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/08/23/2018) Due to missing an e-sign consent to receive electronic documents, fees disclosed on the initial LE cannot be used in determining tolerance. As a result, Closing Disclosure provided on 08/23/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan.     Reviewer Comment (2019-05-24): Per the lender and client the lump sum credit was to be applied directly to section A origination fees changed to the borrower correcting the finance charges. Reviewer Comment (2019-05-24): Per client direction lump sum credit will only be applied to any non-finance charges reflected on the CD first then any remaining credit towards finance charges. Unable to utilize letter for itemization. Exception remains. Seller Comment (2019-05-24): The Credit Itemization has been uploaded, which states the credit is for the Fee for Rate selected in Section A. Please clear exception. Reviewer Comment (2019-05-23): The E-consent is not a factor in this issue.The Admin fee, flood cert, origination fee, prepaid interest, processing fee, tax cert, title - recording services and title settlement fees total $13,480.78. Minus remaining lender credit or $4781.50, leaves 8699.28. That amount appears to be under-disclosed in the amount of $1665.00. This applies lender credit to non finance charge fees first, per our review requirements. Seller Comment (2019-05-22): Please see the attached e-consent 05/24/2019     1 A 08/23/2018 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 A C B A A Safe Harbor QM Safe Harbor QM Yes
206687772 26508864 504946174 11815283 26508864-6572 05/10/2019 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/08/16/2018) The file failed to contain evidence that the Consumer was provided with a copy of the appraisal 3 business days prior to closing; no waiver provided to waive the requirement period and no evidence that the appraisal copy was ever delivered.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/23/2018 CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687772 26508864 504946174 11968164 26508864-25319 05/21/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-22): Client elects to waive     05/22/2019 2 B 08/23/2018 CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687773 26508865 504921419 11815202 26508865-6583 05/10/2019 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 $700.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Sufficient cure in the amount of $87.50 provided to the borrower at closing.         05/10/2019   1 A 06/15/2018 TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM Yes
206687773 26508865 504921419 11815203 26508865-6583 05/10/2019 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 $67.50 exceeds tolerance of $30.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Sufficient cure in the amount of $87.50 provided to the borrower at closing.         05/10/2019   1 A 06/15/2018 TX Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM Yes
206687774 26508866 504958088 11803948 26508866-24490 05/10/2019 Compliance Compliance Federal Compliance Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.       Reviewer Comment (2019-05-23): Provided Seller Comment (2019-05-22): See attached 05/23/2019     1 A 09/05/2018 MT Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687774 26508866 504958088 11815005 26508866-4436 05/10/2019 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/07/30/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/05/2018 MT Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687775 26508867 504934539 11811312 26508867-7079 05/10/2019 Property Property - Appraisal Appraisal Documentation The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines.   The 1004 describes the subject as a detached site condo. The CDA describes it as a SFR.     Reviewer Comment (2019-05-16): Reviewed appraisal, supplemental addendum, and CDA. Condition is cleared. Seller Comment (2019-05-13): The file contains the attached appraisal Supplemental Addendum stating the subject is a site condo and that the development consists solely of single family detached dwellings. Both the appraisal and the CDA contain the subject's legal description which is Unit 56 of Oakland County Condominium Plan No. 815 - it is clear the subject is a site condo. A site condo functions like an SFR because the borrower owns the land. Site condos are eligible under the Jumbo Express product. 05/16/2019     1 A 07/18/2018 MI Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687775 26508867 504934539 11811748 26508867-4436 05/10/2019 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/06/18/2018) The date that the appraisal was provided to the borrower was not found in the file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/18/2018 MI Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687775 26508867 504934539 11811749 26508867-5790 05/10/2019 Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Timing Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. The date that the disclosure was provided was not found in the file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/18/2018 MI Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM Safe Harbor QM No
206687775 26508867 504934539 11811750 26508867-25503 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,146.88 on Final Closing Disclosure provided on 07/18/2018 not accurate. (Final/07/18/2018) The annual property costs are taxes $9,488.03 + insurance $2,195.00 + HOA $1,320.00 = $13,003.03.     Reviewer Comment (2019-05-16): AMC received PCCD correcting total property costs and LOE. Exception Cured. Seller Comment (2019-05-14): 5/13/19- Disagree with Finding. The Annual property costs are: Taxes $9626.96 ($7630.37 for 2018 city/summer and $1996.59 for 2017 county/winter), Insurance $2195 and HOA $1320 = $13141.92. Please find Corrected Post Close CD and LOX uploaded   05/16/2019   2 B 07/18/2018 MI 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
206687776 26508868 504933481 11816749 26508868-7456 05/10/2019 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 05/18/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Mallet,Joseph Joseph C. Mallet Psy D PA/S-Corp) The 2017 1120S extension was not evidenced in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 FL Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687776 26508868 504933481 11816761 26508868-4613 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/03/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/08/03/2018) The hazard insurance premium balance is what was paid at closing per the policy under D262 which represents approximately 2.47 months of the full premium.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/03/2018 FL 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
206687776 26508868 504933481 11819435 26508868-23897 05/10/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/11/2018 received on or after the date the Closing Disclosure 7/12/2018 12:00:00 AM was received. (Interim/07/11/2018) The disclosure summary under D286 confirms the final LE and the initial CD were received on the same date.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/03/2018 FL Primary Refinance - Cash-out - Other No Defined Cure C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687776 26508868 504933481 11819436 26508868-7041 05/10/2019 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) 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 property state is in the 1st, 4th, 6th, or 11th circuit.) The loan is being considered a same lender refinance since the new lender is the same lender that originated the loan being paid off with this refinance. Form H-9 should be used for a same lender refinance.     Reviewer Comment (2019-05-21): Client elects to waive.     05/21/2019 2 A 08/03/2018 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 C A B B A A Safe Harbor QM Safe Harbor QM Yes
206687776 26508868 504933481 11819470 26508868-5404 05/10/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: xxxxxx (2017) The 2017 1120S nor the 2017 extension were evidenced in the loan file.     Reviewer Comment (2019-05-23): This is a duplicate issue that was waived. Seller Comment (2019-05-21): Please see the attached document. Guideline or regulation does not indicate or suggest that in order for a lender to deem, for example, the 2016 income documentation (tax returns) as 'Most Recent', that the lender would have to verify for each entity, personal and all businesses, that it has filed an application for tax extension. 'Most Recent" can be determined based on the lender's review of the facts and circumstances. We believe that it is permissible for a lender to make a reasonable conclusion, based on having been provided evidence of an extension for the individual return to which income from all pass-through entities flow, that the borrower may have also delayed the filing of their business entity returns for that same year. We do not believe that is it necessary to obtain the extension for each individual entity, in order to further substantiate 'most recent'. A signed P&L covering the period in which an extension was filed, is provided in lieu. There�s no gap in the periods of analysis. The lender deemed the level of documentation adequate and based their ability to repay determination using 2016 & 2015 tax returns and 2017 & 2018 P&L. 3.5 years of income documentation was analyzed, which exceeds the level of documentation required by Reg. Z. 05/23/2019     1 A 08/03/2018 FL Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM Safe Harbor QM No
206687777 26508869 504920437 11806549 26508869-23688 05/10/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage is short 138,828.00.     Reviewer Comment (2019-05-14): Received insurance company's Replacement Cost Estimator value, coverage is sufficient. Seller Comment (2019-05-14): Disagree. The insurance policy contains replacement cost protection; the replacement cost estimator is attached. 05/14/2019     1 A 07/03/2018 TX Primary Refinance - Limited Cash-out GSE   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687777 26508869 504920437 11807063 26508869-25158 05/10/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/03/2018 TX Primary Refinance - Limited Cash-out GSE   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687777 26508869 504920437 11807189 26508869-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,476.00 and disclosure timing violations. The e-sign consent disclosure was missing from the file.     Reviewer Comment (2019-05-16): AMC received E Consent dated 05/15/2018. Exception Cleared. Seller Comment (2019-05-15): Please see the attached e-consent 05/16/2019     1 A 07/03/2018 TX Primary Refinance - Limited Cash-out GSE No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687777 26508869 504920437 11815222 26508869-7038 05/10/2019 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/06/28/2018) The closing disclosure was not provided 3 days prior to closing.     Reviewer Comment (2019-05-14): AMC reviewed 06/28 CD. Exception Cleared. Seller Comment (2019-05-13): Please disregard documents submitted for this issue, they are for a different loan and uploaded in error. Seller Comment (2019-05-13): CD Dated 6/28/18 using Saturday as business day, CD was delivered 3 business days prior to closing 05/14/2019     1 A 07/03/2018 TX Primary Refinance - Limited Cash-out GSE No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687777 26508869 504920437 11816392 26508869-4436 05/10/2019 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/05/23/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/03/2018 TX Primary Refinance - Limited Cash-out GSE   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687778 26508870 505029423 11816055 26508870-23477 05/10/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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. Tax returns are not signed. However, transcripts are in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 02/14/2019 MD Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687778 26508870 505029423 11818091 26508870-5404 05/10/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Bxxxxx W-2 (2018) 2018 W-2 was issued prior to closing. Document is required per Guidelines.     Reviewer Comment (2019-05-17): 2018 W-2 is not required. Exception cleared. Seller Comment (2019-05-14): Disagree. It is unknown whether the borrower had received the 2018 W2 prior to the 2/14/18 Note date. xxxx guidelines state the following: "In lieu of waiting for the 2018 W-2 to be provided by their employer, we can accept the following alternative documents: Final paystub from 2018 showing the earnings for the year and the 2017 W-2 or a full VOE completed by the employer showing the earnings for 2018." The file contains the attached alternative documentation: final 2018 paystub dated 12/28/18, 2017 and 2016 W2's.       1 A 02/14/2019 MD Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687781 26508874 504964789 11805849 26508874-24490 05/10/2019 Compliance Compliance Federal Compliance Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. Missing pay-off statement from bot 1st and 2nd mortgages, PHH Mortgage and Schools First.     Reviewer Comment (2019-05-23): Pay off provided Seller Comment (2019-05-23): See attached payoffs 05/23/2019     1 A 08/25/2018 CA Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687781 26508874 504964789 11805903 26508874-5180 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/25/2018 did not disclose number of months for Property Tax under Prepaids. (Final/08/25/2018) The final and PCCD page 2 section (F) reflects 0 or blank months for county property taxes paid.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/25/2018 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
206687782 26508876 504920590 11809393 26508876-3867 05/10/2019 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. Loan approved as Safe Harbor QM, however review returned a Non QM loan designation due to missing income documentation.     Reviewer Comment (2019-05-17): Per 1008 in file at the time of review this income was not used therefore they were removed. Exception cancelled. Seller Comment (2019-05-14): Disagree. According to the Jumbo Express product guidelines, "If the borrower has self- employment income and/or zero income reported, and it is not needed to qualify, it is not required to obtain the P&L and balance sheet." The 2016 and 2017 Form 1065's and K-1's indicate positive or zero income for EDSU Investments, LLC. The income was not used to qualify; therefore, a P&L and Balance Sheet are not required.       1 A 07/28/2018 CA Primary Refinance - Limited Cash-out GSE Lender to provide updated ATR/QM status B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687782 26508876 504920590 11824237 26508876-7458 05/11/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx /Partnership) Missing year to date P&L and Balance sheet for this business.     Reviewer Comment (2019-05-17): Per 1008 in file at the time of review this income was not used therefore they were removed. Exception cancelled. Seller Comment (2019-05-14): Disagree. According to the Jumbo Express product guidelines, "If the borrower has self- employment income and/or zero income reported, and it is not needed to qualify, it is not required to obtain the P&L and balance sheet." The 2016 and 2017 Form 1065's and K-1's indicate positive or zero income for EDSU Investments, LLC. The income was not used to qualify; therefore, a P&L and Balance Sheet are not required.       1 A 07/28/2018 CA Primary Refinance - Limited Cash-out GSE   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687782 26508876 504920590 11824238 26508876-7458 05/11/2019 Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx EDSU Investments, LLC/Partnership) Missing year to date P&L and Balance sheet for this business.     Reviewer Comment (2019-05-17): Per 1008 in file at the time of review this income was not used therefore they were removed. Exception cancelled. Seller Comment (2019-05-14): Disagree. According to the Jumbo Express product guidelines, "If the borrower has self- employment income and/or zero income reported, and it is not needed to qualify, it is not required to obtain the P&L and balance sheet." The 2016 and 2017 Form 1065's and K-1's indicate positive or zero income for EDSU Investments, LLC. The income was not used to qualify; therefore, a P&L and Balance Sheet are not required.       1 A 07/28/2018 CA Primary Refinance - Limited Cash-out GSE   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687782 26508876 504920590 11824239 26508876-25158 05/11/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock documentation was not included in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/28/2018 CA Primary Refinance - Limited Cash-out GSE   B B A A B B A A Safe Harbor QM Safe Harbor QM No
206687783 26508879 505024896 11809944 26508879-4613 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/22/2019 did not disclose number of months for homeowner's insurance under Prepaids. (Final/01/22/2019) The final CD section F, failed to disclose the number of months included in the homeowner's insurance premium total collected (including amount paid before and balance collected at closing.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/22/2019 MD Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687783 26508879 505024896 11824139 26508879-6583 05/11/2019 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 - Abstract / Title Search. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (77163)           05/11/2019   1 A 01/22/2019 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
206687783 26508879 505024896 11824140 26508879-6583 05/11/2019 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 - Commitment Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (77170)           05/11/2019   1 A 01/22/2019 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
206687783 26508879 505024896 11824141 26508879-6583 05/11/2019 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 - Release Tracking Fee. Fee Amount of $70.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (77211)           05/11/2019   1 A 01/22/2019 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
206687783 26508879 505024896 11824142 26508879-7041 05/11/2019 Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) 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 property state is in the 1st, 4th, 6th, or 11th circuit.) The Right to Cancel indicated that the Consumer was entering into a new transaction; however, the initial prior lender on the subject property is the same as the new lender. As such, the incorrect Right to Cancel form was used.     Reviewer Comment (2019-05-21): Client elects to waive.     05/21/2019 2 A 01/22/2019 MD 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 B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206687784 26508880 505025232 11805148 26508880-23688 05/10/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard coverage is short by 22,200.00.     Reviewer Comment (2019-05-16): Provided was the replacement cost estimator supporting the dwelling coverage Seller Comment (2019-05-14): Disagree. See attached reconstruction cost estimate reflecting $309,700 is the cost to rebuild. Dwelling coverage of $321,200 with extended dwelling coverage of up to 50% is sufficient. 05/16/2019     1 A 02/01/2019 TX Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687784 26508880 505025232 11806265 26508880-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $9,377.00 and disclosure timing violations. Borrower E-Consent and date acknowledged not in file     Reviewer Comment (2019-05-16): AMC received E Consent dated 01/04/2019. Exception Cleared. Seller Comment (2019-05-15): Please see the attached e-consent Reviewer Comment (2019-05-13): Regraded to EV3-C 05/16/2019     1 A 02/01/2019 TX Primary Refinance - Cash-out - Other No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687784 26508880 505025232 11806266 26508880-4850 05/10/2019 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 02/01/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/01/2019) Due to LE's and initial CD being e-signed and no e-consent in file     Reviewer Comment (2019-05-16): AMC received E Consent dated 01/04/2019. Exception Cleared. 05/16/2019     1 A 02/01/2019 TX 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
206687784 26508880 505025232 11806268 26508880-6542 05/10/2019 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 $6,930.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Due to LE's and initial CD being e-signed and no e-consent in file     Reviewer Comment (2019-05-16): AMC received E Consent dated 01/04/2019. Exception Cleared. Reviewer Comment (2019-05-13): COC in file is for a rate lock or rate lock extension. The increased Loan Discount Point percentage did not change only the amount change. COC is invalid. 05/16/2019     1 A 02/01/2019 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 C A C B A A Safe Harbor QM Safe Harbor QM Yes
206687784 26508880 505025232 11824251 26508880-4436 05/11/2019 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/01/14/2019) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 02/01/2019 TX Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
206687785 26508886 504947581 11802905 26508886-2802 05/10/2019 Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Not provided.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/10/2018 MD Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687785 26508886 504947581 11809676 26508886-1048 05/10/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/10/2018 MD Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687785 26508886 504947581 11809678 26508886-3126 05/10/2019 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 (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/10/2018 MD Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687785 26508886 504947581 11809728 26508886-6623 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 09/10/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/09/10/2018) A lender contact was not provided on the Closing Disclosure.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/10/2018 MD 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
206687785 26508886 504947581 11809729 26508886-7038 05/10/2019 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/09/04/2018) Preliminary Closing Disclosures were not signed and dated to verify the delivery date.     Reviewer Comment (2019-05-15): AMC received Disclosure Tracking indicating the 09/04 CD was received 09/05. Exception Cleared. Seller Comment (2019-05-14): 5/13/19- Disagree with finding..Borrowers Econsented.. Initial CD was provided via electronic delivery on 9/4/18 and acknowledged by the borrowers on 9/5/18.. See Loan summary uploaded. 05/15/2019     1 A 09/10/2018 MD Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687785 26508886 504947581 11824333 26508886-2808 05/11/2019 Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Missing lender's approval.     Reviewer Comment (2019-05-16): The approval was located in the loan file. Condition is cancelled. Seller Comment (2019-05-14): The file contains the attached approval letter.       1 A 09/10/2018 MD Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687785 26508886 504947581 11824382 26508886-4436 05/11/2019 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/08/29/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/10/2018 MD Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687785 26508886 504947581 11884223 26508886-23897 05/15/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 08/31/2018 received on or after the date the Closing Disclosure 9/4/2018 12:00:00 AM was received. (Interim/08/31/2018) AMC received Disclosure Tracking indicating the LE was received 09/05. The CD was issued 09/04 and received 09/05.     Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 09/10/2018 MD Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Safe Harbor QM Safe Harbor QM No
206687788 26508890 505007422 11808879 26508890-855 05/10/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 11/16/2018 Disaster End Date: 11/26/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/12/2018       Reviewer Comment (2019-05-17): Post Disaster Property Inspection Report provided. Condition is cleared. Seller Comment (2019-05-16): See attached PDI 05/17/2019     1 A 11/26/2018 CA Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687788 26508890 505007422 11824640 26508890-4376 05/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/26/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/11/26/2018) Final CD 1/26/2018 finance charge is $1,345,023.34 and calculated finance charge is $1,346,828.34. Unable to determine cause based on Itemization of Finance Charges provided in the file.     Reviewer Comment (2019-05-21): AMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD. Seller Comment (2019-05-20): PCCD has also been provided Seller Comment (2019-05-20): Disagree - The Calculated Finance Charge of $1,347,028.34 is the same exact amount as the Disclosed Finance Charge, variance amount is $0. Predatory Worksheet has been provided. Reviewer Comment (2019-05-14): Loan is under disclosed by $1805.00. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception.   05/21/2019   2 B 11/26/2018 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 C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687788 26508890 505007422 11824649 26508890-4957 05/11/2019 Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   The title fees were disclosed in section C of the final CD (Services Borrower Did Shop For); however the fees were payable to a provider that was disclosed on the SSPL and should have been disclosed is section B (Services Borrower Did Not Shop For). Provide a post-close CD moving the fees to the correct section and a copy of the letter of explanation sent to the borrower disclosing the changes made.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 11/26/2018 CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687788 26508890 505007422 11834790 26508890-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Loan Modification not seasoned for 7 years. The transaction has an LTV of 26% versus a program maximum of 60%. 808 representative FICO score > 700 guideline minimum - 108 points above guideline minimum Borrower has $2.1 million in excess reserves (22 years). Lender used an Invalid Comp for DTI of 26%. The calculated DTI is 41.97765%, which remains within guidelines but is not a compensating factor. Lender did not include results of YTD P&L which reflected a decrease in Operating income versus prior years; this required use of the YTD income which resulted in the increased DTI. 808 FICO $2,365,250 in reserves Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Aggregator Aggregator Reviewer Comment (2019-05-17): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-14): See attached xxxx Management Exception Approval. The mortgage was modified in April of 2018 for a change of rate only; no principal reduction or extension of maturity. Low LTV, low DTI, 808 credit score and reserves in excess of requirements.     05/17/2019 2 B 11/26/2018 CA Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687788 26508890 505007422 11836624 26508890-3837 05/13/2019 Credit Credit Credit Calculation / Analysis Guideline Issue: Insufficient tradelines per credit guidelines   Borrower has 1 active trade line, which is less than guideline requirements.     Reviewer Comment (2019-05-13): TM error, pls ignore.       1 A 11/26/2018 CA Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687788 26508890 505007422 11913786 26508890-25319 05/17/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 11/26/2018 CA Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687791 26508900 470017876 11813859 26508900-4436 05/10/2019 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/10/23/2017) Documentation to verify receipt of appraisal not found.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/04/2018 CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687791 26508900 470017876 11813862 26508900-4916 05/10/2019 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. SSPL provided to the borrower on 12/01/17 and application date 10/27/17.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 01/04/2018 CA Primary Refinance - Rate/Term No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687791 26508900 470017876 11813864 26508900-6582 05/10/2019 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 $2,790.00 exceeds tolerance of $2,340.00 plus 10% or $2,574.00. Sufficient or excess cure was provided to the borrower at Closing. (0) Cure amount verified.         05/10/2019   1 A 01/04/2018 CA Primary Refinance - Rate/Term Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687791 26508900 470017876 11825056 26508900-2666 05/11/2019 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 01/09/2018, prior to three (3) business days from transaction date of 01/05/2018.       Reviewer Comment (2019-05-22): Received PCCD. Exception cleared. Seller Comment (2019-05-21): See attached PCCD showing disbursement date 4 days after consummation including Saturday as a business day. Reviewer Comment (2019-05-20): Per the CD the date issued was 1/4/2018, Closing date 1/4/2018 and disbursement date as 1/9/2018. There is nothing in the images showing a PCCD correcting the disbursement date or a disbursement schedule to support the disbursement on 1/10/2018. Seller Comment (2019-05-20): Disagree, Loan notarized on 1/5/18, disbursed on 1/10/18, 4 business days later including Saturday as a business day Reviewer Comment (2019-05-17): Final CD reflects a disbursement date of 01/09/18. Exceptions remains. Seller Comment (2019-05-14): Disagree. Using Saturday as a business day the loan disbursed on the 4th business day 05/22/2019     1 A 01/04/2018 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 C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687791 26508900 470017876 11825070 26508900-4371 05/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/04/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/04/2018) Final CD 01/04/2018 disclosed a closing date of 01/04/2018 and the borrower signed the document 04/05/2018.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 01/04/2018 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
206687791 26508900 470017876 11836969 26508900-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   6 months receipt of distribution prior to application. Compensating factors: 1) Low LTV 52%. 2) DTI 34%. 3) 27 months reserves. 4)FICO 793 5) Long term Pilot now retired and retired Navy Seal. 51.95% LTV < 75.00 guideline max - $1,260,000.00 more equity than required by program guidelines 34.07% DTI on this (Full Documentation) documentation loan < 43.00% guideline max - 8.93% below program guideline maximum 23 months reserves > 9 months guideline minimum - borrowers have verified reserves of $182,701.27 793 FICO $182,000 in reserves AMC AMC AMC Aggregator Aggregator Reviewer Comment (2019-05-17): Client elects to waive Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): Agree. The borrower set up the distribution in 12/2017. Bank statement shows receipt of the $22,500 (quarterly) less taxes. More than three years of continuance documented     05/17/2019 2 B 01/04/2018 CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687792 26508905 504942575 11825074 26508905-6542 05/11/2019 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 $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7552) Reinspection Fee was not disclosed on the initial LE but on the final CD reads $200.00. 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 (2019-05-20): A cure is indicated on the Final CD. Exception Cured. Seller Comment (2019-05-17): Disagree - The Lender Cure Credit in the amount of $219 was used to cure the under disclosed amounts for the Credit Report and the Re-inspection Fee. No Change of Circumstance required. Reviewer Comment (2019-05-16): The Appraisal Reinspection fee of $200 is Borrower paid (POC) and is a zero tolerance fee. If a valid COC cannot be provided, then a refund is due. Seller Comment (2019-05-15): The $200 is a Seller Paid Fee for a Reinspection Fee is non-testable. The Zero Percent Fee is not exceeded and there is no violation.   05/20/2019   2 B 07/30/2018 OR 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687792 26508905 504942575 11825080 26508905-6542 05/11/2019 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 $109.00 exceeds tolerance of $90.00. Insufficient or no cure was provided to the borrower. (7520) Fee disclosed as $90.00 on (LE dated 06/27/18), but disclosed as $109.00 on Final Closing Disclosure. 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 (2019-05-20): A cure is indicated on the Final CD. Exception Cured. Seller Comment (2019-05-17): Disagree - The Lender Cure Credit in the amount of $219 was used to cure the under disclosed amounts for the Credit Report and the Re-inspection Fee. No Change of Circumstance required.   05/20/2019   2 B 07/30/2018 OR 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687792 26508905 504942575 11825094 26508905-4826 05/11/2019 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 07/30/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/30/2018) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/30/2018 OR Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A B C B A A Safe Harbor QM Safe Harbor QM Yes
206687792 26508905 504942575 11949846 26508905-3831 05/20/2019 Credit Credit Miscellaneous Credit Exception:   Lender exception: Job gap exceeds 30 days but less than 6 months. Compensating factors 1) 43 months in reserves. 2) Borrower has been on the job/same industry for over 26 years. 3) FICO is 735 735 representative FICO score > 680 guideline minimum - 55 points above guideline minimum Borrower has job stability for 26 years as an (Dose Management Specialist). Borrower has employment stability for 26 years in the (Health Care). Borrower has 43 months reserves and Guidelines require 2 months. 735 FICO, $175K reserves (43 months) AMC AMC AMC AMC Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Seller Comment (2019-05-20): See attached xxxx Exception Approval. 60 months of reserves, 19 years in industry, good credit profile, FICO 750/743, household income greater than $250,000 annually, increased earnings with new job.     05/20/2019 2 B 07/30/2018 OR Second Home Purchase   C B A B C B A A Safe Harbor QM Safe Harbor QM No
206687793 26508906 505031609 11815605 26508906-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $1,501.00 and disclosure timing violations. Initial LE located in the file is dated and E-Signed on 12/14/2018. Unable to determine when the initial LE was sent to the borrower. No E-Consent was located in the file.     Reviewer Comment (2019-05-16): AMC received E Consent dated 12/13/2018. Exception Cleared. Seller Comment (2019-05-15): Please see the attached e-consent Reviewer Comment (2019-05-13): Regraded to EV3-C 05/16/2019     1 A 02/04/2019 TX Primary Purchase No Defined Cure C B C B B A A A Safe Harbor QM Safe Harbor QM No
206687793 26508906 505031609 11825144 26508906-2908 05/11/2019 Credit Loan Package Documentation Application / Processing Missing Document: Lender Exception(s) not provided   Subject approved as Jumbo Advantage 30-year Fixed and Lender Exception listed program as Jumbo Express. Lender to provide revised Exception allowing 28 acres, exceeding 20 acre guideline maximum. $179,576 Reserves, 794 FICO, comps similar in acreage Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Reviewer Comment (2019-05-17): Received Lender exception. Exception cleared. Seller Comment (2019-05-15): See attached xxxx approved exception.     05/20/2019 2 B 02/04/2019 TX Primary Purchase   C B C B B A A A Safe Harbor QM Safe Harbor QM No
206687794 26508908 504893652 11813578 26508908-18604 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 06/28/2018 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.) (Final/06/28/2018) Property was purchased from the parent of one of the borrowers and a gift of equity was given. No other fees were paid by the seller per the seller's CD.     Reviewer Comment (2019-05-20): No fees were paid by the seller. The seller was a parent who gifted equity in lieu of paid fees. the purchase agreement list the buyer to pay all fees Seller Comment (2019-05-17): Agree the Seller CD did not represent any fees being paid. Per the purchase agreement the buyers agreed to be responsible for all closing costs etc. 05/20/2019     1 A 06/28/2018 FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A A A Safe Harbor QM Safe Harbor QM Yes
206687794 26508908 504893652 11813580 26508908-7038 05/10/2019 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/06/25/2018) Evidence of earlier borrower receipt was not found in file.     Reviewer Comment (2019-05-17): Received proof of receipt on 06/25/18. Seller Comment (2019-05-17): See attached E-Consent and Delivery document. The borrowers CD was issued and acknowledge the same day allowing the appropriate delivery timing 05/17/2019     1 A 06/28/2018 FL Primary Purchase No Defined Cure C B C B C A A A Safe Harbor QM Safe Harbor QM No
206687794 26508908 504893652 11813626 26508908-22154 05/10/2019 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 06/29/2018, Transaction Date: 06/28/2018 Policy effective date of policy is 06/29/2018. Closing and disbursement occurred on 6/28/2018 29.017% DTI on this Full documentation loan < 43.00% guideline max - 13.98% below program guideline maximum 33.75 months reserves > 0 months guideline minimum - borrowers have verified reserves of $99,949.72. $99,949.72 (33 months) reserves, 29% DTI, employment history 29% DTI, $99K reserves Originator Originator Aggregator Aggregator Reviewer Comment (2019-05-22): Client elects to waive Seller Comment (2019-05-21): Agree with finding the policy was in effect one day after the closing. Can you please review for materiality of the finding.     05/22/2019 2 B 06/28/2018 FL Primary Purchase   C B C B C A A A Safe Harbor QM Safe Harbor QM No
206687794 26508908 504893652 11825534 26508908-23688 05/11/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI Coverage of $480,000 is insufficient to cover 80% of the Appraised value that is $481,600 resulting in a Coverage Shortfall of $1,600. Replacement cost from the insurer to determine Coverage amount of $$480,000 is sufficient was not provided.     Reviewer Comment (2019-05-17): Received insurer's replacement cost estimate. Coverage is sufficient. Seller Comment (2019-05-14): See attached Replacement Cost Valuation that reflects the estimated replacement cost as $443,441.86. Dwelling coverage of $480,000 is sufficient. 05/17/2019     1 A 06/28/2018 FL Primary Purchase   C B C B C A A A Safe Harbor QM Safe Harbor QM No
206687794 26508908 504893652 11834268 26508908-3841 05/13/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines   Borrower is puchasing home from mother in law with 10% gift of equity being provided from mother in law. Guidelines indicate non-arms length transactions are ineligible. There is a lender approved exception in file. 29.017% DTI on this Full documentation loan < 43.00% guideline max - 13.98% below program guideline maximum 33.75 months reserves > 0 months guideline minimum - borrowers have verified reserves of $99,949.72. $99,949.72 (33 months) reserves, 29% DTI, employment history Originator Originator Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Reviewer Comment (2019-05-17): Client to Review Seller Comment (2019-05-14): See attached xxxx Exception Approval. Loan meets QM guidelines; program allows us to follow conventional guidelines, DTI is 10 + points below program max, borrower has reserves of $135,000, good employment history/stability as both borrowers have been with current employers for more than 5 years, FICO 773/714.     05/20/2019 2 B 06/28/2018 FL Primary Purchase   C B C B C A A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11815329 26508909-23688 05/10/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Dwelling coverage is $519,000 and the loan amount is $600,000. No extended replacement noted on document.     Reviewer Comment (2019-05-23): Replacement cost estimator provided Seller Comment (2019-05-22): Disagree. Please reference the "Detailed Report" provided by Travelers Insurance. Under the Valuation Tools Summary it states "Coverage A", then states the Reconstruction Cost w/o Debris Removal as $535,937. xxxx is stating that they base their Dwelling Coverage A on their determined reconstruction cost w/o debris removal. Therefore, coverage at time of closing in the amount of $519,000 was based on their determined reconstruction cost w/o debris removal. As the cost of materials increase over time, the insurance company will update their determined reconstruction cost and the required dwelling coverage. This is why the "Detailed Report" dated 11/2018 shows a higher amount, and the current dwelling coverage has been increased to $536,000. Reviewer Comment (2019-05-21): The EDI data sheet does not list any replacement cost values to base a dwelling coverage and the HOI does not list any replacement coverage value or percentage. Please provide a replacement cost estimator or a letter from the insurer stating the maximum allowed coverage. Seller Comment (2019-05-20): The reconstruction cost provided by Travelers Insurance confirms that the Dwelling Coverage A is based on their estimated cost to replace the property. Therefore the $519,000 dwelling coverage at time of closing was based on Traveler's estimate to replace the property. Reviewer Comment (2019-05-17): Seller provided current dwelling coverage of $536,000, effective 3/2/2019 and replacement cost estimate of $535,937, effective 11/2018. However, loan close date is 7/25/2018. Coverage amount at time of loan close of $519,000 is insufficient. Unable to use current information to clear condition. Condition remains. Seller Comment (2019-05-16): See attached evidence the current dwelling coverage is $536,000, and the reconstruction cost per the insurer is $535,937. Dwelling coverage is sufficient. 05/23/2019     1 A 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11816589 26508909-4436 05/10/2019 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/06/29/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11816608 26508909-18604 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure 07/24/2018 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.) (Final/07/24/2018) No seller paid fees were listed on the borrower's or seller's Closing Disclosure.     Reviewer Comment (2019-05-17): Subject property was purchased under a contract for deed in 2001. No seller fees listed on either seller's CD or consumer's CD. Seller Comment (2019-05-16): Disagree, Purchase Agreement states they are responsible for costs of CURATIVE Instruments including recording fees, there are no CURATIVE instruments or recording fees for CURATIVE instruments. Reviewer Comment (2019-05-16): Purchase contract states seller to pay legal fees and recording fees. Seller Comment (2019-05-14): Disagree. Review of Purchase Agreement and CD's, there are no fees to be paid by the seller. 05/17/2019     1 A 07/25/2018 KS Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687795 26508909 504927402 11816609 26508909-4433 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow - Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/24/2018 incorrectly disclosed whether the loan will have an escrow account. (Final/07/24/2018) The final Closing Disclosure did not disclosure the reason for not having an escrow account.     Reviewer Comment (2019-05-21): AMC received PCCD correcting escrow section and LOE. Exception Cured. Seller Comment (2019-05-21): See attached PCCD and LOE   05/21/2019   2 B 07/25/2018 KS Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687795 26508909 504927402 11825395 26508909-23083 05/11/2019 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. (Angela/Pope/2691017) Third Party Verification no evidenced in loan file.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11825396 26508909-7456 05/11/2019 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 06/01/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Pope,Jon Big Mac Bancshares/Schedule K-1 less than 25 Percent) 2017 Tax returns not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11825397 26508909-7456 05/11/2019 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 06/01/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (Pope,Angela Pope Inc/S-Corp) 2017 Tax returns not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11825398 26508909-4826 05/11/2019 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 07/24/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/24/2018) Insufficient cure provided at closing     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 07/25/2018 KS Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687795 26508909 504927402 11825399 26508909-6542 05/11/2019 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 $680.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) Cure for Appraisal Fee of $680 exceeding $600 was not provided.     Reviewer Comment (2019-05-13): Cure provided at closing 05/13/2019     1 A 07/25/2018 KS 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
206687795 26508909 504927402 11825400 26508909-6542 05/11/2019 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 $300.00 exceeds tolerance of $291.00. Insufficient or no cure was provided to the borrower. (8304) Cure for transfer tax of $300 exceeding $291 was not provided.     Reviewer Comment (2019-05-21): AMC received 03/13 COC. Exception Cleared. Seller Comment (2019-05-20): Attached please find COC history. The transfer tax was initially disclosed as $291.00 it was increased to $300 per a valid COC due to the loan amount change on 03/13 05/21/2019     1 A 07/25/2018 KS 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
206687795 26508909 504927402 11825422 26508909-25838 05/11/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxx, Address: xxxxx Address: #xxxxx Address: xxxxx Insurance Verification Insurance Verification, Statement Insurance Verification Insurance Verification Insurance documents & mortgage statement for investment properties not provided .     Reviewer Comment (2019-05-16): Received verification of PITI for all REO Seller Comment (2019-05-15): 5/15 - See attached proof xxxx and both xxx properties are vacant land; no insurance on land. The mortgage with xxxx is a blanket mortgage that covers the tracts of land. See attached supporting documentation. The UW linked the blanket mortgage to xxx for qualification. 05/16/2019     1 A 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11838164 26508909-3841 05/13/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines   Borrower is purchasing subject property from current landlord. Approved lender exception evidenced in loan file. LTV, 29.187% DTI, 777 FICO Aggregator Reviewer Comment (2019-05-22): Client elects to waive Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): Agree. See attached xxxx approved exception.     05/22/2019 2 B 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11926745 26508909-25319 05/17/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election. This exception is not curable and will remain an EV2 rating. There is a seller/lender credit, but not specifically disclosed for a particular fee on CD. No documentation is needed or required.     Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 07/25/2018 KS Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687795 26508909 504927402 11956243 26508909-6583 05/21/2019 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 $680.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) A cure is indicated on the Final CD. Exception Cured.         05/21/2019   1 A 07/25/2018 KS Primary Purchase Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687796 26508911 504922239 11814107 26508911-23688 05/10/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Dwelling coverage is $440,000 with 25% extended replacement of $110,000. The estimated cost new is $730,545. Hazard Insurance Coverage Amount is insufficient by $180,545.     Reviewer Comment (2019-05-16): Received insurer's replacement cost estimator. Coverage is sufficient. Seller Comment (2019-05-16): The replacement cost estimator is attached to document sufficient coverage. 05/16/2019     1 A 06/29/2018 TX Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
206687796 26508911 504922239 11825718 26508911-25838 05/11/2019 Credit Income / Employment Income Documentation REO Documents are missing. Address: xxxxxx Insurance Verification, Statement, Tax Verification Investment property insurance, Tax & mortgage statement not provided.     Reviewer Comment (2019-05-16): Received proof of PITI for REO property. Seller Comment (2019-05-15): The file contains the attached Cenlar mortgage statement, insurance policy and tax statement for 1xxxxx 05/16/2019     1 A 06/29/2018 TX Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
206687796 26508911 504922239 11839427 26508911-3841 05/13/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines   Non-arms length transaction between originator and RE agent. Lender approved exception in file. $127,848.64 (22 months), 747 FICO, 22 years at employer Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): The loan meets QM guidelines; the program allows xxxx to follow conventional guidelines. xxxx management made an exception on this file for the non-arm's length transaction due to a 0x30 mortgage payment history, good credit profile, minimal increase in housing expense (.04%), stable employment (23 years with current employer) and an additional 12 months of reserves over and above the reserve requirement. The management exception is attached.     05/20/2019 2 B 06/29/2018 TX Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
206687797 26508912 504895863 11817062 26508912-23385 05/10/2019 Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: 05/04/2018 The appraisal reflects the address as xxxxx     Reviewer Comment (2019-05-17): Typographically error and not material .Exception cleared=d. Seller Comment (2019-05-15): Although the appraisal reflects the subject address as "xxxxxx (actual address is "xxxxx"), the extra "N" following the address number, this would not be considered material as it is evident it is a typographical error. The 1st American Title Card on page 11 and the Pima County Assessor's Record Card on page 19 of the attached appraisal report list the correct address confirming the appraiser completed the report on the correct address. 05/17/2019     1 A 08/01/2018 AZ Primary Refinance - Cash-out - Other   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687797 26508912 504895863 11817836 26508912-4613 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 07/30/2018 did not disclose number of months for homeowner's insurance under Prepaids. (Final/07/30/2018) The number of months was not provided.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/01/2018 AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
206687797 26508912 504895863 11825895 26508912-3136 05/11/2019 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 provided is undated. The acknowledgment of receipt of the list is dated 03/27/2018 and signed on 04/06/2018.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/01/2018 AZ Primary Refinance - Cash-out - Other   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687797 26508912 504895863 11825896 26508912-4372 05/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/30/2018 incorrectly disclosed whether the loan contains a Demand Feature. (Final/07/30/2018) Due on Demand verbiage is not presented on the Note, however, the consumer's final CD indicates that the loan has a demand feature.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/01/2018 AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
206687797 26508912 504895863 11832151 26508912-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Lender approved exception for utilizing ineligible appraiser for transaction. 22.29% DTI, $133K reserves, 78% LTV/CLTV Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): xxxx management made an exception to use an ineligible appraiser for this transaction as the comps and CDA support value and the appraisal was deemed acceptable. The appraiser's status has since been changed to eligible (see attachment).     05/20/2019 2 B 08/01/2018 AZ Primary Refinance - Cash-out - Other   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687798 26508914 504955033 11825952 26508914-4376 05/11/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/21/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/09/21/2018) Final Closing Disclosure provided on 09/21/2018 disclosed a finance charge of $492,329.77, calculated finance charge are $492,730.67, resulting in a variance of -$400.90. To cure, provided corrected PC CD along with LOE to borrower and evidence of deliver     Reviewer Comment (2019-05-20): The seller paid water testing fee was included but is not part of the buyer fees and not listed on the itemization of finance. The fees applied are as follow: Admin Fee $395.00, Prepaid interest $727.24, Processing fee $550.00, E recording $5.90, Title settlement fee $550.00 and UW fee $445.00 Seller Comment (2019-05-17): Disagree with finding. The variance being cited appears to be related to the 5.90 E-Recording fee which is Non-APR, as well as the Realtor Admin Fee which is a Non-APR fee 05/20/2019     1 A 09/21/2018 MI 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 A A A Safe Harbor QM Safe Harbor QM Yes
206687798 26508914 504955033 11833891 26508914-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Reserves are comings from the sale of home and guide liens require reserves to be in the accost prior to closing. Compensating factors: 1 ) Low DTI 2) Overall credit profile is acceptable and 3) Loan still meets reserves. 36.61% DTI on this (Fulll) documentation loan < 43.00% guideline max - 6.39% below program guideline maximum 36.609% DTI, 6 years on job, 769, satisfactory mortgage history AMC Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): 5/14: Disagree. The guideline states that funds "must be available to the borrower prior-to and after closing". The proceeds of sale are for the sale of the departure primary residence in order to purchase the subject primary residence. The borrower was not selling an asset for the sole purpose of meeting the reserve requirement. The file contains the attached CD documenting the departure home closed on 9/17/18, prior to the subject loan on 9/21/18. The borrower therefore had the funds prior to closing.     05/20/2019 2 B 09/21/2018 MI Primary Purchase   C B C B C A A A Safe Harbor QM Safe Harbor QM No
206687799 26508916 504745662 11816097 26508916-855 05/10/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/15/2017 Disaster End Date: 09/16/2017 Disaster Name: HURRICANE HARVEY Disaster Declaration Date: 08/25/2017 No post-closing disaster inspection was evidenced in the loan file.     Reviewer Comment (2019-05-20): Post Disaster Property Inspection Report provided. Condition is cleared. Seller Comment (2019-05-17): See attached PDI 05/20/2019     1 A 08/11/2017 TX Primary Purchase   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687799 26508916 504745662 11827237 26508916-23688 05/12/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The 2017-2018 insurance policy in loan file does not have sufficient coverage. HOI Coverage of $420,000 is insufficient to cover loan amount of $$728,000 resulting in a Coverage Shortfall of $308,000. However, the renewal policy for 2018-2019 shows guaranteed replacement coverage.     Reviewer Comment (2019-05-20): The HOI statement lists the home is insured to the approximate replacement cost of your home. Seller Comment (2019-05-15): 5/14: Disagree. The 2017/18 policy contains replacement cost coverage - see page 2 of the attachment which reads "Property Coverage limit may increase at renewal due to an inflation factor to maintain insurance to the approximate replacement cost of your home." According to the insurance agent, all their policies contain replacement cost coverage. They no longer have a copy of the replacement cost estimator due to the age of the policy. However, the current policy with the same agent reflects dwelling coverage of $740,000 which exceeds the original loan amount. The lack of a replacement cost estimator from 2017 is not material as there is sufficient current coverage and no record of any insurance claims since origination. The subject has been continuously insured. 05/20/2019     1 A 08/11/2017 TX Primary Purchase   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687799 26508916 504745662 11827242 26508916-7456 05/12/2019 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 06/26/2017, Most Recent Tax Return End Date 12/31/2015, Tax Return Due Date 03/15/2017. (Huynh,Tung Tung T Huynh DDS PLLC/S-Corp) Borrower did provide the tax return extension for the 2016 1120S and 1040 tax returns.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/11/2017 TX Primary Purchase   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687799 26508916 504745662 11832351 26508916-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Applications for an owner occupied transaction after closing on a previous owner occupied transaction with xxxx on a different property within the last 12 months will be ineligible. There is a lender approved exception located in file. 802 representative FICO score > 720 guideline minimum - 82 points above guideline minimum Borrower has 22 months in reserves and guidelines requires 12 months. 802 FICO, 30.8% DTI, SE Dentist for last 4 years AMC Originator Aggregator Reviewer Comment (2019-05-22): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): 5/14: The Note for the prior transaction is attached reflecting an 8/25/16 date; the subject Note is dated 8/11/17. Therefore the borrower was only 2 weeks shy of the 12 month requirement. xxxx management made an exception for there not quite being 12 months between the subject transaction and the prior owner-occupied transaction due to the borrower's strong credit and reserves.     05/22/2019 2 B 08/11/2017 TX Primary Purchase   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687800 26508919 504963408 11829420 26508919-7455 05/13/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (Kixxxxx./S-Corp) Balance Sheet and P&L not provided.     Reviewer Comment (2019-05-22): P&L provided Seller Comment (2019-05-21): Please see the attached P&L and Balance sheet. 05/22/2019     1 A 08/24/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687800 26508919 504963408 11829421 26508919-7455 05/13/2019 Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxxx/S-Corp) Balance Sheet and P&L not provided.     Reviewer Comment (2019-05-22): P&L provided Seller Comment (2019-05-21): Please see the attached P&L and Balance Sheet 05/22/2019     1 A 08/24/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687800 26508919 504963408 11829423 26508919-25158 05/13/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/24/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687800 26508919 504963408 11830576 26508919-2798 05/13/2019 Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003         Reviewer Comment (2019-05-22): Provided Seller Comment (2019-05-21): Please see the attached Final 1003. Seller Comment (2019-05-21): Attached please find the 1003 05/22/2019     1 A 08/24/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687800 26508919 504963408 11832048 26508919-3867 05/13/2019 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 Non QM due to income document exceptions.     Reviewer Comment (2019-05-22): P&L provided Seller Comment (2019-05-21): Please see the attached P & L and Balance Sheet 05/22/2019     1 A 08/24/2018 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
206687800 26508919 504963408 11834868 26508919-24956 05/13/2019 Credit Guideline Guideline Issue Borrower does not have the minimum open tradelines per guidelines.   Guidelines require all borrowers to have 3 trade lines liver over 12 months. Compensating factors: 1) 12 months reserves 2) 4 years self Employed 3) Overall good credit ( greater than 3 years on any late payments on credit cards) 4) Good rental History. 20 months reserves > 6 months guideline minimum - borrowers have verified reserves of $115,690.52 Borrower has self employment stability for 4 years in the (Consulting). Reserves, Self-employment History AMC AMC Aggregator Reviewer Comment (2019-05-22): Client elects to waive. Reviewer Comment (2019-05-20): Client to review. Seller Comment (2019-05-15): 5/14: xxxx management made an exception on this file due to the length of time the borrower's business has been in existence, overall good credit, good rental history and 12 months reserves.     05/22/2019 2 B 08/24/2018 CA Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687801 26508921 504922718 11816952 26508921-6297 05/10/2019 Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act � Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $6,013.27 and disclosure timing violations. Borrower's initial e-consent documentation was not included in the loan file.     Reviewer Comment (2019-05-17): AMC received E Consent dated 04/17/2018. Exception Cleared. Seller Comment (2019-05-16): Please see the attached e-consent Reviewer Comment (2019-05-13): Regraded to EV3-C 05/17/2019     1 A 06/15/2018 CA Primary Refinance - Rate/Term No Defined Cure C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687801 26508921 504922718 11817149 26508921-4371 05/10/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/15/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/06/15/2018) There is a PCCD provided dated 06/21/2018 which corrected the closing date to 06/16/2018. However there was no letter from the Lender explaining the error to the borrower which is required for TRID remediation cure.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/15/2018 CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Safe Harbor QM Safe Harbor QM Yes
206687801 26508921 504922718 11827901 26508921-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Guidelines do not permit any loan modifications in borrower's credit history. Borrower's had a lender's loan modification completed 05/11/2011 that was a change from interest only to fully amortized and a temp rate reduction. Loan modification documentation confirms there was no principal forgiveness. Borrower's have no other derogatory credit in history established in 1969 with satisfactory re-established credit following. Borrower has employment stability for 17 years as self employed Fico greater than 20 pts above minimum. 50% LTV lowering month payment by $700. 43.43% LTV, $292K reserves, 16 years SE, length of time since modification Originator Originator Originator Aggregator Reviewer Comment (2019-05-22): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): The loan meets QM guidelines; the program allows xxxx to follow conventional guidelines. xxxx management made an exception on this file for the prior loan modification due to the borrower remaining in residence both during and after modification, excellent credit history post-modification, low 50% LTV, refinance lowering payment by $700, stable 17-year self-employment, credit score 20 points greater than minimum and new loan is a fixed rate mortgage. The management exception is attached.     05/22/2019 2 B 06/15/2018 CA Primary Refinance - Rate/Term   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687801 26508921 504922718 11828874 26508921-25158 05/13/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Actual rate lock documentation was not included in the loan file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/15/2018 CA Primary Refinance - Rate/Term   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687801 26508921 504922718 11829885 26508921-4436 05/13/2019 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/06/05/2018) Proof of appraisal delivery not found in file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/15/2018 CA Primary Refinance - Rate/Term   C B C B B B A A Safe Harbor QM Safe Harbor QM No
206687803 26508924 504902604 11831425 26508924-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Approval indicates the appraiser is reflected as ineligible in lender's system; appraiser exception was approved. 785 FICO, 51.29% LTV/CLTV Aggregator Reviewer Comment (2019-05-20): Client elects to waive Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): The loan meets QM guidelines; the appraiser's status with xxxx is an overlay. xxxx management made an exception to use an ineligible appraiser for this transaction as the comps support value, the CDA was within tolerance and the appraisal was deemed acceptable. In addition, the LTV is low at 51.29%, the borrower has excellent credit, a credit score 65 points greater than the minimum, self-employment stability of 10 years and an additional 8 months of reserves over and above the reserve requirement. The management exception is attached.     05/20/2019 2 B 06/21/2018 FL Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687803 26508924 504902604 11832130 26508924-7456 05/13/2019 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 04/14/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) Most recent tax returns were not provided. (2017 extension in file)     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/21/2018 FL Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687803 26508924 504902604 11832131 26508924-25158 05/13/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/21/2018 FL Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687803 26508924 504902604 11836807 26508924-7456 05/13/2019 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 04/14/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. (xxxxx/S-Corp) Most recent tax returns were not provided. (2017 extension in file)     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 06/21/2018 FL Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687803 26508924 504902604 11836808 26508924-4436 05/13/2019 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/04/23/2018) Proof of appraisal delivery not found in file     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 06/21/2018 FL Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687803 26508924 504902604 11836810 26508924-25507 05/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 13,866.62 on Final Closing Disclosure provided on 06/15/2018 not accurate. (Final/06/15/2018) Lender did not indicate flood insurance was escrowed on page 1 of final CD     Reviewer Comment (2019-05-24): PCCD provided prior to TPO review correcting the cost year 1. Seller Comment (2019-05-23): AMC does not require an LOE or proof of delivery on PCCDs that were generated prior to AMC's review. An LOE and proof of delivery may be required if an error is identified by AMC and a PCCD needs to be generated to correct the error. The exact requirements to cure are dependent on the exception. On this loan, the PCCD was issued prior to AMC's review. I was able to cure the exception Thank you xxxxxxxxxx Reviewer Comment (2019-05-23): PCCD dated 7/3/18 provided corrected the flood insurance in the escrow payment. Need LOE provided to Borrower with the corrected CD to cure. Seller Comment (2019-05-22): Disagree - the PCCD was provided on 7/3/2018 and the Escrowed Property Costs over Year 1 is calculated at 11 months in the amount of $13,886.62. The flood insurance is included with the Homeowner's Insurance as "In Escrow". The Flood Insurance "name" does not need to be listed individually.   05/24/2019   2 B 06/21/2018 FL 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
206687803 26508924 504902604 11838665 26508924-6340 05/13/2019 Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Disclosure in file is not dated     Reviewer Comment (2019-05-17): Client elects waive     05/17/2019 2 B 06/21/2018 FL Primary Refinance - Rate/Term No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687803 26508924 504902604 11838834 26508924-6583 05/13/2019 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 $14,217.59 exceeds tolerance of $9,980.00. Sufficient or excess cure was provided to the borrower at Closing. (7200) Cure provided at closing         05/13/2019   1 A 06/21/2018 FL Primary Refinance - Rate/Term Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687803 26508924 504902604 11838835 26508924-6583 05/13/2019 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 $102.09 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Cure provided at closing         05/13/2019   1 A 06/21/2018 FL Primary Refinance - Rate/Term Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687803 26508924 504902604 11838837 26508924-6583 05/13/2019 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 $2,807.57 exceeds tolerance of $2,791.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) Cure provided at closing         05/13/2019   1 A 06/21/2018 FL Primary Refinance - Rate/Term Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687804 26508926 504946359 11824433 26508926-3295 05/11/2019 Compliance Compliance State Compliance Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. RI- High -Cost home disclosure was not found in the loan file     Reviewer Comment (2019-05-23): Provided Seller Comment (2019-05-22): see attached 05/23/2019     1 A 08/17/2018 RI Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687804 26508926 504946359 11824434 26508926-3298 05/11/2019 Compliance Compliance State Compliance Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. RI-Prohibited Acts and Practices Regarding Home Loans disclosure was not found in the loan file     Reviewer Comment (2019-05-23): Provided Seller Comment (2019-05-21): Please see the attached disclosure 05/23/2019     1 A 08/17/2018 RI Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687804 26508926 504946359 11824435 26508926-4826 05/11/2019 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 08/17/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/17/2018) Calculating Cash to Close: Final Closing Disclosure provided on 8/17/2018 Calculating Cash to close section on pg 3 of the Closing Disclosure "Exceeds legal limit by" is less than the amount of the required cure of 0%-10%     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/17/2018 RI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687804 26508926 504946359 11824438 26508926-2307 05/11/2019 Compliance Compliance State Compliance Rhode Island High Cost Analysis Timing Rhode Island Home Loan: High-cost Analysis not documented and substantiated prior to closing of the loan. High Cost Home Loan Application Disclosure was not found in the loan file     Reviewer Comment (2019-05-23): HPML was provided Seller Comment (2019-05-22): See attached 05/23/2019     1 A 08/17/2018 RI Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687804 26508926 504946359 11828488 26508926-25158 05/13/2019 Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 08/17/2018 RI Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687804 26508926 504946359 11828506 26508926-24217 05/13/2019 Credit Property - Appraisal General Appraisal Requirements The owner on the appraisal is incorrect. Valuation Type: Appraisal / Valuation Report Date: 07/25/2018 The owner's name on the appraisal is incorrect, the appraisal list the purchaser as both the purchaser and the seller.     Reviewer Comment (2019-05-20): The title report and purchase agreement match supporting the seller and per lender attestation the appraisal names were just an error. Seller Comment (2019-05-15): Although the appraisal reflects the incorrect owner of public record, this would not be considered material as it is evident it is a typographical error. The file contains a fully executed Purchase Agreement referenced in the appraisal report and Closing Disclosures with seller names matching those listed on the title commitment as the owners of record. 05/20/2019     1 A 08/17/2018 RI Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687804 26508926 504946359 11830229 26508926-3841 05/13/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines   The loan officer and Borrower are brothers. Lender approved exception in file. $340K reserves (85 months), 34.28% DTI, 797 FICO Aggregator Reviewer Comment (2019-05-23): Client elects to waive Reviewer Comment (2019-05-20): Client to review. Seller Comment (2019-05-15): xxxx management made an exception on this file due to the length of employment, additional 13 months reserves, credit score and low debt to income ratio.     05/23/2019 2 B 08/17/2018 RI Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817316 26508927-1003 05/10/2019 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 25% Ownership) income. (xxxxx/Schedule K-1 less than 25 Percent) Borrower is a less than 1% owner of a partnership with nominal losses noted in 1040's, which are not signed.     Reviewer Comment (2019-05-20): The loss reported was 8 dollar for a year, this small loss of .67c was minimal and does not affect eligibility and was included in the schedule C as an additional loss to include Seller Comment (2019-05-15): The file contains the attached signed 2015 and 2016 1040's as well as the 2015, 2016 and 2017 K-1's for xxxx 05/20/2019     1 A 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817317 26508927-23477 05/10/2019 Compliance Compliance Federal Compliance Self Employed - Implicit 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. Unsigned 2015 and 2016 tax returns provided.     Reviewer Comment (2019-05-16): received signed 1040's 05/16/2019     1 A 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817318 26508927-7456 05/10/2019 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 05/10/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (Markus,George North Dallas Primary Care/Schedule C) 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 (2019-05-17): Client elects to waive     05/17/2019 2 B 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817355 26508927-1223 05/10/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (Markus,George Walnut Hill Hospital Management Company LLC/Schedule K-1 less than 25 Percent) Borrower is a less than 1% owner of a partnership with nominal losses noted in 1040's, which are not signed.     Reviewer Comment (2019-05-20): The loss reported was 8 dollar for a year, this small loss of .67c was minimal and does not affect eligibility and was included in the schedule C as an additional loss to include Seller Comment (2019-05-15): The file contains the attached signed 2015 and 2016 1040's as well as the 2015, 2016 and 2017 K-1's for Walnut Hill Hospital Management Company LLC. 05/20/2019     1 A 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817356 26508927-1231 05/10/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent) Borrower is a less than 1% owner of a partnership with nominal losses noted in 1040's, which are not signed.     Reviewer Comment (2019-05-20): The loss reported was 8 dollar for a year, this small loss of .67c was minimal and does not affect eligibility and was included in the schedule C as an additional loss to include Seller Comment (2019-05-15): The file contains the attached signed 2015 and 2016 1040's as well as the 2015, 2016 and 2017 K-1's for xxxxx 05/20/2019     1 A 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817357 26508927-4204 05/10/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. 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 (2019-05-20): The loss reported was 8 dollar for a year, this small loss of .67c was minimal and does not affect eligibility and was included in the schedule C as an additional loss to include 05/20/2019     1 A 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817359 26508927-20305 05/10/2019 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 05/10/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxxxx/Schedule C) 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. Year to date and prior year P&L statements were used, along with 2016 and 2015 1040s for Schedule C income.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11817360 26508927-3867 05/10/2019 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. Subject fails Safe Harbor QM testing due to unsigned tax returns, tax missing returns for most recent tax year and missing K-1 income documentation.     Reviewer Comment (2019-05-20): The loss reported was 8 dollar for a year, this small loss of .67c was minimal and does not affect eligibility and was included in the schedule C as an additional loss to include Seller Comment (2019-05-15): Disagree. The file contains the attached signed 2015 and 2016 1040's as well as the 2015, 2016 and 2017 K-1's for xxxxx. The file also contains the attached 2017 tax filing extension. 05/20/2019     1 A 05/29/2018 TX Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687805 26508927 504915613 11817361 26508927-3879 05/10/2019 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. Not provided.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 05/29/2018 TX Primary Purchase No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11840428 26508927-24955 05/13/2019 Credit Guideline Guideline Issue Borrower does not have the minimum active tradelines per guidelines.   The Co-Borrower does not have the required number of Tradelines. An Approved Lender exception was provided in the file. The Co-Borrower does not have open tradelines, but has an extensive credit history with closed accounts. Borrower has a 0x30 on all reported mortgages or rent payments for 36 months. The DTI for the subject is 10% or more below the maximum. Borrowers have owned the subject property for more than 5 years Borrower Credit score exceeds program guidelines by 20 points (upon review, score of 770 exceeds guideline of 720 by 50 points). 30.29% DTI on this Full documentation loan < 43% guideline max - 12.8% below program guideline maximum. Clear Lexis obtained for both borrowers; no hits in Fraud Guard; Data Verify results #xxxxxverifies 10-13 characters of first and last name. Employment stability of 34 years (Borrower) and 4 years (CoBorrower). Borrowers have 3 months reserves in excess of the requirement. 770 FICO, 30.28% DTI Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Aggregator Reviewer Comment (2019-05-23): Client elects to waive Reviewer Comment (2019-05-16): Client to Review. Seller Comment (2019-05-15): The loan meets QM guidelines; the program allows xxxx to follow conventional guidelines. xxxx management made an exception on this file for the trade line requirement on the co-borrower as both borrowers have an extensive credit history with the co-borrower having closed accounts in addition to a 0x30 mortgage payment history for the last 36 months, a credit score 20 points greater than the minimum requirement, a debt ratio more than 10% less than the product maximum and the borrower's stable 34-year self-employment as a Physician.     05/23/2019 2 B 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687805 26508927 504915613 11840553 26508927-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Loan was approved based on a Social Security Verification from the customer's Data Verify system vs. xxxx's 3257 results. An approved Lender Exception was provided for the variance. The Co-Borrower does not have open tradelines, but has an extensive credit history with closed accounts. Borrower has a 0x30 on all reported mortgages or rent payments for 36 months. The DTI for the subject is 10% or more below the maximum. Borrowers have owned the subject property for more than 5 years Borrower Credit score exceeds program guidelines by 20 points (upon review, score of 770 exceeds guideline of 720 by 50 points). 30.29% DTI on this Full documentation loan < 43% guideline max - 12.8% below program guideline maximum. Clear Lexis obtained for both borrowers; no hits in Fraud Guard; Data Verify results #xxxxxverifies 10-13 characters of first and last name. Employment stability of 34 years (Borrower) and 4 years (CoBorrower). Borrowers have 3 months reserves in excess of the requirement. 770 FICO, 30.28% DTI Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Originator Pre-Close Aggregator Reviewer Comment (2019-05-22): Client elects to waive Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-15): The loan meets QM guidelines; the program allows xxxx to follow conventional guidelines. xxxx management made an exception on this file for the social security verification requirement as the Data Verify results confirmed the first 10 characters of each borrower's first name and the first 13 characters of the last names with the Social Security Administration database (which covers both borrower's entire names). The FraudGuard report did not contain any red flags. Other compensating factors include a 0x30 mortgage payment history for the last 36 months, a credit score 20 points greater than the minimum requirement, a debt ratio more than 10% less than the product maximum and the borrower's stable 34-year self-employment as a Physician.     05/22/2019 2 B 05/29/2018 TX Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687806 26508929 504985101 11831801 26508929-1029 05/13/2019 Compliance Compliance Federal Compliance Retirement Documentation Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (xxxxx/Pension) missing either awards letter or signed 1040     Reviewer Comment (2019-05-16): Received award letter. Seller Comment (2019-05-15): 5/14: Disagree. Appendix Q requirements state for retirement income: Retirement income must be verified from the former employer, or from Federal tax returns. If any retirement income, such as employer pensions or 401(k)'s, will cease within the first full three years of the mortgage loan, such income may not be used in qualifying. Other sections of Appendix Q state: A tax transcript obtained directly from the IRS may be used in lieu of signed tax returns. File contained an award letter from xxxxx(EBMUD) certifying borrower will receive a pension benefit for his lifetime. Letter states what the current benefit was as of the date of the letter and also indicates there is an annual cost of living adjustment. Documentation in the file also included 2018 monthly direct deposit distribution statements for the retirement income, as well as 2017 and 2016 1099-R statements and two years of tax transcripts. The file contained sufficient documentation to verify borrower's retirement income as required and meet QM requirements. 05/16/2019     1 A 12/18/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687806 26508929 504985101 11831802 26508929-4436 05/13/2019 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/10/02/2018) Borrowers signed a waiver and later acknowledged receipt of the appraisal documents     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 12/18/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687806 26508929 504985101 11831803 26508929-3867 05/13/2019 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. High Cost Analysis supports Safe Harbor designation     Reviewer Comment (2019-05-16): Received award letter. Seller Comment (2019-05-14): Disagree. Loan is QM, see attached results, page 4 shows is QM. 05/16/2019     1 A 12/18/2018 CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687806 26508929 504985101 11831804 26508929-7115 05/13/2019 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 escrow per CD is $1,947.91. Amount per Initial Escrow Disclosure is $2,367.50     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 12/18/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687806 26508929 504985101 11840968 26508929-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Lender exception made to allow tax lien to be paid at close. 20.42% DTI, 58.08% LTV/CLTV Aggregator Reviewer Comment (2019-05-20): Client elects to waive Reviewer Comment (2019-05-16): Client to Review. Seller Comment (2019-05-15): 5/14: Credit exception reviewed with approval by management to proceed with tax liens being paid off at closing, rather than prior to closing as per product description requirement. Loan reviewed with compensating factors taken into consideration to allow tax lien payoff at closing, based on borrowers' overall good credit, low ratios, and low LTV.     05/20/2019 2 B 12/18/2018 CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687807 26508932 504957163 11829259 26508932-7037 05/13/2019 Compliance Compliance Federal Compliance Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.       Reviewer Comment (2019-05-20): The transaction is a construction to perm and an ROR is not required. Seller Comment (2019-05-15): Loan is a Construction Permanent Loan, year built 2017 and does not require a ROR, see CD's attached Reviewer Comment (2019-05-14): If, the loan for the acquisition of the principal dwelling and the subsequent advances for improvements are treated as more than one transaction, then only the transaction that finances the acquisition of that dwelling is exempt. Seller Comment (2019-05-13): Disagree, This is a construction to permanent loan so no right to cancel is required 05/20/2019     1 A 08/16/2018 MN 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687807 26508932 504957163 11829262 26508932-5180 05/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/16/2018 did not disclose number of months for Property Tax under Prepaids. (Final/08/16/2018) Number of months for Property Tax under Prepaids was left blank.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 08/16/2018 MN 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
206687807 26508932 504957163 11829348 26508932-6582 05/13/2019 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 $143.00 exceeds tolerance of $97.00 plus 10% or $106.70. Sufficient or excess cure was provided to the borrower at Closing. (0)           05/13/2019   1 A 08/16/2018 MN Primary Refinance - Rate/Term Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687807 26508932 504957163 11836204 26508932-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Guidelines indicate appraisals will be eligible from any approved AMC listed in Appraisal Management Companies. The appraisals used were non-AMC appraisals. There is a lender approved exception in file. 767 representative FICO score > 720 guideline minimum - 47 points above guideline minimum 55% LTV < 75 guideline max - $400,000 more equity than required by program guidelines 22.81% DTI on this Full documentation loan < 43.00% guideline max - 20.19% below program guideline maximum 767 FICO, 55% LTV/CLTV, 22.8% DTI Originator Originator Originator Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-14): The appraisals used were AMC appraisals, although not through an approved xxxx AMC. There is a lender approved exception in file. Appraisals were both reviewed by Appraisal Review department and exception was approved by management. Product guidelines state that AIR compliant Correspondent appraisals must meet the following guidelines and states the following Additional requirements when two appraisals are required: Appraisal review will review both appraisals and upon acceptance of both appraisals, the lower value of the two will be considered. File contains two AMC appraisals, with lower value of the two appraisals used in determining final value. Loan has strong compensating factors including low LTV, job stability, excellent credit/mortgage payment history, low ratios.     05/20/2019 2 B 08/16/2018 MN Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11811607 26508933-2909 05/10/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided         Reviewer Comment (2019-05-16): Subordinate Lien Note was provided. Condition is cleared. Seller Comment (2019-05-14): Attached is a copy of the HELOC note from the simultaneous HELOC transaction. 05/16/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11826330 26508933-855 05/11/2019 Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/25/2018 Disaster End Date: 09/30/2018 Disaster Name: HURRICANE FLORENCE Disaster Declaration Date: 09/14/2018       Reviewer Comment (2019-05-16): Post disaster property inspection report was provided. Condition is cleared. Seller Comment (2019-05-14): Disagree see attached PDI that was in the file 05/16/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11826331 26508933-23688 05/11/2019 Credit Insurance Insurance Analysis Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard coverage is short 492,000.00.     Reviewer Comment (2019-05-16): Replacement cost estimate was provided and is acceptable. Condition is cleared. Seller Comment (2019-05-14): Disagree. There is sufficient dwelling coverage that is higher than the mortgage amount. Attached hazard insurance policy reflects total dwelling coverage of $695,000 based on standard dwelling coverage of $556,000 plus additional coverage of $139,000 (25%), thereby exceeding loan amount of $679,650. Policy includes endorsement for both replacement coverage and inflation. Also included in attachment is Replacement Cost Estimate calculated at time of HOI inquiry indicating estimated replacment cost calculated value of $531,000. 05/16/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11826332 26508933-22154 05/11/2019 Credit Insurance Insurance Analysis The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 07/17/2018, Transaction Date: 07/16/2018 Effective Date 7/17/18     Reviewer Comment (2019-05-14): Policy dated before close reflects effective dates of 6/29/18-6/29/19. Seller Comment (2019-05-14): Disagree see attached policy 05/14/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11826340 26508933-4826 05/11/2019 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 07/16/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/16/2018) Calculating Cash to Close section (pg 3): "Exceeds legal limit by" is less than the amount of the required cure (0%-10% violations).     Reviewer Comment (2019-05-13): Cure provided at closing 05/13/2019     1 A 07/16/2018 NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687808 26508933 504923495 11826347 26508933-3988 05/11/2019 Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 07/10/2018 not received by borrower at least four (4) business days prior to closing. (Interim/07/10/2018) Proof of receipt not found in file.     Reviewer Comment (2019-05-20): Esign provided Seller Comment (2019-05-17): See attached E-Consent and delivery confirmations 05/20/2019     1 A 07/16/2018 NC Primary Purchase No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11826349 26508933-6543 05/11/2019 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 $126.00 exceeds tolerance of $90.00 plus 10% or $99.00. Insufficient or no cure was provided to the borrower. (0) oanEstimateReceivedDate(2018-07-13) >= ClosingDateLess3(2018-07-12) Required Fields     Reviewer Comment (2019-05-13): Cure provided at closing 05/13/2019     1 A 07/16/2018 NC 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
206687808 26508933 504923495 11829392 26508933-7038 05/13/2019 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/07/11/2018) The closing disclosure was not provided to the borrower 3 business days prior to closing.     Reviewer Comment (2019-05-20): Esign provided Seller Comment (2019-05-17): See attached E-Consent and Document Delivery 05/20/2019     1 A 07/16/2018 NC Primary Purchase No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11835635 26508933-3831 05/13/2019 Credit Credit Miscellaneous Credit Exception:   Subject property exceeds 20 acres and 35% land to value. Approved lender exception evidenced in file. 789 FICO, 52.08% LTV, Borrower has been at employer 8 years, Coborrower 10 years Aggregator Reviewer Comment (2019-05-20): Client elects to waive. Reviewer Comment (2019-05-16): Client to Review Seller Comment (2019-05-14): Credit exception for acreage approved by management. Loan has compensating factors including lower LTV, good credit and good job stability.     05/20/2019 2 B 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11895943 26508933-5366 05/16/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 44.59261% exceeds Guideline total debt ratio of 43.00000%. Calculated investor qualifying total debt ratio of 44.59261% exceeds Guideline total debt ratio of 43.00000%     Reviewer Comment (2019-05-20): The secondary loan payment was not listed as an ARM with an IO period. Once changed the DTI moved below 43% Seller Comment (2019-05-20): Disagree. Total Debt to Income Ratio does not exceed 43%. Based on the fully drawn HELOC amount of $429,600 and fully indexed rate of 6.24% (margin plus index), the qualifying payment of the 2nd lien HELOC calculates to $2,203.32, resulting in total housing payment of $6,133.93 and DTI ratio of 42.3%, below 43% threshold. 05/20/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11896077 26508933-25034 05/16/2019 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 44.59261% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)       Reviewer Comment (2019-05-20): The secondary loan payment was not listed as an ARM with an IO period. Once changed the DTI moved below 43% Seller Comment (2019-05-20): Disagree. Total Debt to Income Ratio does not exceed 43%. Based on the fully drawn HELOC amount of $429,600 and fully indexed rate of 6.24% (margin plus index), the qualifying payment of the 2nd lien HELOC calculates to $2,203.32, resulting in total housing payment of $6,133.93 and DTI ratio of 42.3%, below 43% threshold. 05/20/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11896125 26508933-5695 05/16/2019 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. Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2019-05-20): The secondary loan payment was not listed as an ARM with an IO period. Once changed the DTI moved below 43% Seller Comment (2019-05-20): Disagree. Total DTI ratio is below 43%. QM/ATR status is not affected. 05/20/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11896127 26508933-3867 05/16/2019 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. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2019-05-20): The secondary loan payment was not listed as an ARM with an IO period. Once changed the DTI moved below 43% Seller Comment (2019-05-20): Disagree. Total DTI ratio is below 43%. QM status is not affected. 05/20/2019     1 A 07/16/2018 NC Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687808 26508933 504923495 11896128 26508933-1257 05/16/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. The lender used a lower qualifying payment on the 2nd lien HELOC of $2,054.92. The qualifying payment is $2,642.33.     Reviewer Comment (2019-05-20): The secondary loan payment was not listed as an ARM with an IO period. Once changed the DTI moved below 43% Seller Comment (2019-05-20): Disagree. Total Debt to Income Ratio does not exceed 43%. Based on the fully drawn HELOC amount of $429,600 and fully indexed rate of 6.24% (margin plus index), the qualifying payment of the 2nd lien HELOC calculates to $2,203.32, resulting in total housing payment of $6,133.93 and DTI ratio of 42.3%, below 43% threshold. 05/20/2019     1 A 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687808 26508933 504923495 11946329 26508933-25319 05/20/2019 Compliance Compliance Federal Compliance TRID Closing Disclosure Lump Sum Allocation Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charge closing costs in Sections A, B, C, or E first, then finance charges pursuant to client's election.       Reviewer Comment (2019-05-21): Client elects to waive     05/21/2019 2 B 07/16/2018 NC Primary Purchase   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11825256 26508934-4436 05/11/2019 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/09/24/2018) File does not contain evidence of when the appraisal report was provided to the borrower.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11825260 26508934-3867 05/11/2019 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. Wireline Group started in 2017. Will not have a full 2 years on business returns or K1's. Owns less than 25%.     Reviewer Comment (2019-05-28): SHQM Loan Seller Comment (2019-05-21): Disagree. The file contains the proper income documentation. Borrower has less than 25% ownership in xxxx, per the K1 in the file. Business tax returns for this business are not required based on the borrower's ownership percentage. There was no positive income from the business and the loss from the K1 was taken into consideration. Third party verification of the business is not relevant if there is no positive income considered from the business. Appendix Q defines a self-employed consumer as a consumer with a 25% or greater ownership in a business. Borrower has less than 2% ownership and therefore, no additional documentation, other than the K1 and the two years of personal tax returns is required for this business. Appendix Q states: Moreover, when the following standards do not resolve how a specific kind of debt or income should be treated, the creditor may either (1) exclude the income or include the debt, or (2) rely on Agency or GSE guidance to resolve the issue. Reviewer Comment (2019-05-20): All sources used to qualify a borrower regardless of income or loss affect the ability to repay and need to be supported and verified with the proper income documents, P&L and balance sheet to confirm losses or income has not changed as wells a a third party verification. Seller Comment (2019-05-15): 5/14: ATR/QM designation is not affected by the lack of two years business tax returns for Wireline Group as positive income from this business was not used in calculating DTI ratio. Per Appendix Q, I. A.1: Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue. As business started in 2017, the income would not meet ATR/QM requirements and borrower would not have a two year self-employment history for this business. Per Appendix Q, I. D. 3: If the period of self-employment is: Less than one year then the income from the consumer may not be considered effective income. Income from this business was not considered as effective income. Negative cash flow from the business was taken into consideration, as it was considered worse case. 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687809 26508934 504957392 11825262 26508934-6531 05/11/2019 Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing.     Reviewer Comment (2019-05-20): Esign provided listing delivery a day prior to closing Seller Comment (2019-05-15): Evidence of receipt of the Final 1003 has been uploaded. 05/20/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687809 26508934 504957392 11833478 26508934-1003 05/13/2019 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 25% Ownership) income. (xxxxx/Schedule K-1 less than 25 Percent) The file is missing the 2017 personal tax returns. Evidence of extension provided in file for 2017. The file contained a copy of the 2016 and 2015 1040's and 2017 K-1. Wireline Group started in 2017. Will not have a full 2 years on business returns or K1's. Owns less than 25%.     Reviewer Comment (2019-05-28): The recency of the business does not impact the consideration of the loss in the income analysis Seller Comment (2019-05-21): Disagree. The file contains the proper income documentation. Borrower has less than 25% ownership in xxxx, per the K1 in the file. Business tax returns for this business are not required based on the borrower's ownership percentage. There was no positive income from the business and the loss from the K1 was taken into consideration. Third party verification of the business is not relevant if there is no positive income considered from the business. Appendix Q defines a self-employed consumer as a consumer with a 25% or greater ownership in a business. Borrower has less than 2% ownership and therefore, no additional documentation, other than the K1 and the two years of personal tax returns is required for this business. Appendix Q states: Moreover, when the following standards do not resolve how a specific kind of debt or income should be treated, the creditor may either (1) exclude the income or include the debt, or (2) rely on Agency or GSE guidance to resolve the issue. Reviewer Comment (2019-05-20): All sources used to qualify a borrower regardless of income or loss affect the ability to repay and need to be supported and verified with the proper income documents, P&L and balance sheet to confirm losses or income has not changed as wells a a third party verification. Seller Comment (2019-05-15): 5/14: Agree that the file is missing the 2017 personal tax returns, however, evidence of the 2017 tax filing extension was provided. Per Appendix Q, I. D. 3: If the period of self-employment is: Less than one year then the income from the consumer may not be considered effective income. Borrower was not qualified with any positive income from Wireline Group as it was not considered effective income due to business starting in 2017 and not meeting self-employment income and documentation requirements. Negative cash flow from the business was taken into consideration. 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833483 26508934-1003 05/13/2019 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 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent) The file is missing the 2017 personal tax returns. Evidence of extension provided in file for 2017. The file contained a copy of the 2016 and 2015 1040's and 2017, 2016, and 2015 K-1's. Borrower owns less than 25%. 1120's for 2017 and 2016 were not provided.     Reviewer Comment (2019-05-28): The file contains two years income documentation, 2017 is pending an extension. Seller Comment (2019-05-21): Disagree. The file contains the proper income documentation. Borrower has less than 25% ownership in xxxx Leasing LLC, per K1's in the file. Business tax returns for this business are not required based on the borrower's ownership percentage being less than 25%. The file contains two years personal tax returns and three years of K1's, all sufficient to meet Appendix Q requirements. Third party verification of the business was included in the file. Appendix Q defines a self-employed consumer as a consumer with a 25% or greater ownership in a business. Borrower has less than 2% ownership and therefore, no additional documentation, other than the three years of K1's and the two years of personal tax returns already in the file is required for this business. Reviewer Comment (2019-05-20): All sources used to qualify a borrower regardless of income or loss affect the ability to repay and need to be supported and verified with the proper income documents, P&L and balance sheet to confirm losses or income has not changed as wells a a third party verification. Seller Comment (2019-05-15): 5/14: Disagree. Borrower owns less than 25% of xxxx Leasing LLC. Per Jumbo Express Product Guidelines: Business tax returns (1065/1120), including all schedules, for the prior two years are required if the borrower has an ownership percentage = 25%. The file contained a copy of the 2016 and 2015 1040's and 2017, 2016, and 2015 K-1's, with all three years K-1s verifying borrower has less than 25% ownership in the business. Since borrower has less than 25% ownership in the business, the 1120S business tax returns are not required, per xxxx Product guidelines and Appendix Q. 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833484 26508934-7456 05/13/2019 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 07/27/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxx/Schedule F) The file is missing the 2017 personal tax returns. Evidence of extension provided in file for 2017. The file contained a copy of the 2016 and 2015 1040's.     Reviewer Comment (2019-05-17): Client elects to waive     05/17/2019 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833485 26508934-4436 05/13/2019 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:Secondary/09/12/2018) File does not contain evidence of when the appraisal report was provided to the borrower.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833486 26508934-1223 05/13/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent) File is missing Third Party Verification.     Reviewer Comment (2019-05-28): Third party documentation provided Seller Comment (2019-05-24): Please see the attached VVOE Seller Comment (2019-05-21): Disagree. File contains a VVOE showing existence of the business was verified by correspondent through the company's website. As positive income from this business was not considered, additional verification of the business is not required. Reviewer Comment (2019-05-20): All sources used to qualify a borrower regardless of income or loss affect the ability to repay and need to be supported and verified with the proper income documents, P&L and balance sheet to confirm losses or income has not changed as wells a a third party verification. Seller Comment (2019-05-15): 5/14: Disagree. Third party verification of Wireline Group was not required as income from this business was not considered effective income for qualifying. File contains 2017 K1 from the business that confirms a loss from the partnership for the 3.5 month period covered by the K1. Correspondent did provide VVOE showing existence of the business was verified through the company's website. As positive income from this business was not considered, additional verification of the business is not required. 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833487 26508934-1223 05/13/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent) File is missing Third Party Verification.     Reviewer Comment (2019-05-28): Third party records provided Seller Comment (2019-05-21): See attached third party documentation from the file verifying the existence of the business, xxxx Reviewer Comment (2019-05-20): All sources used to qualify a borrower regardless of income or loss affect the ability to repay and need to be supported and verified with the proper income documents, P&L and balance sheet to confirm losses or income has not changed as wells a a third party verification. Seller Comment (2019-05-15): 5/14: Disagree. ATR/QM requirements were met with income/employment documentation included in file. Borrower owns less than 25% of xxxxx. Per Jumbo Express Product Guidelines: Business tax returns (1065/1120), including all schedules, for the prior two years are required if the borrower has an ownership percentage = 25%. The file contained a copy of the 2016 and 2015 1040's and 2017, 2016, and 2015 K-1's, with all three years K-1s verifying borrower has less than 25% ownership in the business. Since borrower has less than 25% ownership in the business, the 1120S business tax returns are not required, per xxxx Product guidelines and Appendix Q. F 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833488 26508934-1231 05/13/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent) File is missing Third Party Verification.     Reviewer Comment (2019-05-28): Third party records provided Seller Comment (2019-05-21): Disagree. The file contains the proper income documentation. Borrower has less than 25% ownership in Wireline Group, per the K1 in the file. Business tax returns for this business are not required based on the borrower's ownership percentage. There was no positive income from the business and the loss from the K1 was taken into consideration. Third party verification of the business is not relevant if there is no positive income considered from the business. Appendix Q defines a self-employed consumer as a consumer with a 25% or greater ownership in a business. Borrower has less than 2% ownership and therefore, no additional documentation, other than the K1 and the two years of personal tax returns is required for this business. Appendix Q states: Moreover, when the following standards do not resolve how a specific kind of debt or income should be treated, the creditor may either (1) exclude the income or include the debt, or (2) rely on Agency or GSE guidance to resolve the issue. Reviewer Comment (2019-05-20): All sources used to qualify a borrower regardless of income or loss affect the ability to repay and need to be supported and verified with the proper income documents, P&L and balance sheet to confirm losses or income has not changed as wells a a third party verification. Seller Comment (2019-05-15): 5/14: Disagree. ATR/QM designation is not affected by the lack of two years business tax returns for Wireline Group as positive income from this business was not used in calculating DTI ratio. Per Appendix Q, I. A.1: Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue. As business started in 2017, the income would not meet ATR/QM requirements and borrower would not have a two year self-employment history for this business. Per Appendix Q, I. D. 3: If the period of self-employment is: Less than one year then the income from the consumer may not be considered effective income. Income from this business was not considered as effective income. Negative cash flow from the business was taken into consideration, as it was considered worse case. 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833489 26508934-1231 05/13/2019 Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - K-1 Less 25% Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent) File is missing Third Party Verification.     Reviewer Comment (2019-05-28): Income documentation for less than 25% ownership permissible. Seller Comment (2019-05-21): Disagree. The file contains the proper income documentation. Borrower has less than 25% ownership in xxxxx, per K1's in the file. Business tax returns for this business are not required based on the borrower's ownership percentage being less than 25%. The file contains two years personal tax returns and three years of K1's, all sufficient to meet Appendix Q requirements. Third party verification of the business was included in the file and is also attached. Appendix Q defines a self-employed consumer as a consumer with a 25% or greater ownership in a business. Borrower has less than 2% ownership and therefore, no additional documentation, other than the three years of K1's and the two years of personal tax returns already in the file are required for this business. Reviewer Comment (2019-05-20): All sources used to qualify a borrower regardless of income or loss affect the ability to repay and need to be supported and verified with the proper income documents, P&L and balance sheet to confirm losses or income has not changed as wells a a third party verification. Seller Comment (2019-05-15): 5/14: Disagree. ATR/QM requirements were met with income/employment documentation included in file. Borrower owns less than 25% of xxxx Leasing LLC. Per Jumbo Express Product Guidelines: Business tax returns (1065/1120), including all schedules, for the prior two years are required if the borrower has an ownership percentage = 25%. The file contained a copy of the 2016 and 2015 1040's and 2017, 2016, and 2015 K-1's, with all three years K-1s verifying borrower has less than 25% ownership in the business. Since borrower has less than 25% ownership in the business, the 1120S business tax returns are not required, per xxxx Product guidelines and Appendix Q. File contained Lexis report confirming existence of business. VVOE completed by correspondent referencing the third party source website used on the date form was completed to verify business existence. 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833490 26508934-4204 05/13/2019 Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR failure due to insufficient income verification. This exception will be cleared once all ATR specific exceptions have been cured/cleared.     Reviewer Comment (2019-05-28): Exception due to QM issues on SE < 25% 05/28/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833491 26508934-20305 05/13/2019 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 07/27/2018, Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 04/15/2018. (xxxx/Schedule F) 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 (2019-05-17): Client elects to waive     05/17/2019 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833492 26508934-6583 05/13/2019 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 $1,600.00 exceeds tolerance of $995.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)           05/13/2019   1 A 09/25/2018 TX Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687809 26508934 504957392 11833833 26508934-2805 05/13/2019 Credit Credit Credit Calculation / Analysis Missing Document: Alternative Credit Documentation not provided   The credit report reflects a commercial loan in the amount of $246,524 with a payment of $986 that was not included in the debt ratio. Please provide evidence that the account is paid in full or that a third party pays the installment loan with 12 months of canceled checks.     Reviewer Comment (2019-05-20): the debt was applied to the REO Seller Comment (2019-05-15): 5/14: Disagree. File contains verification of the payment history on the commercial loan with xxxx. Documentation is attached and confirms satisfactory payment history on account in 2017 and 2018, as well as verification of the insurance and tax amounts on the property. The loan is secured against borrower's REO property at 191 CR 2812 and the full PITI was included in REO obligations with negative net cash flow/PITI of $3,064.61. 05/20/2019     1 A 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687809 26508934 504957392 11833995 26508934-3843 05/13/2019 Credit Property - Appraisal Property Eligibility - Subject and Improvements Guideline Issue: Property type not allowed per credit guidelines   The property has oil/gas/mineral lease and does not have access to public water. 762 representative FICO score > 700 guideline minimum - 62 points above guideline minimum 31.62% LTV < 80.00 guideline max - $1,470,350.00 more equity than required by program guidelines $2,339,801.75, 762 FICO, 31.61% LTV/CLTV AMC AMC Aggregator Reviewer Comment (2019-05-22): Client elects to waive Reviewer Comment (2019-05-20): Client to review Seller Comment (2019-05-15): 5/14: File contained copy of management approval for property exception due to property has oil/gas/mineral lease and does not have access to public water. Compensating factors considered for exception were the low LTV and good credit. A well test was also provided.     05/22/2019 2 B 09/25/2018 TX Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687810 26508935 504966080 11824227 26508935-4246 05/11/2019 Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of 102.76712% exceeds Guideline combined loan to value percentage of 90.00000%. LTV is based on the current value rather than acquisition cost < 1 year ago. 726 FICO with good payment history Aggregator Reviewer Comment (2019-05-22): Client elects to waive. Seller Comment (2019-05-17): Loan received management exception allowing LTV/CLTV calculation based on appraised value versus initial purchase price. Borrowers have strong credit, rate/term refinance.     05/22/2019 2 B 09/22/2018 MI Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687810 26508935 504966080 11824683 26508935-2909 05/11/2019 Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Missing Document: Note - Subordinate Lien not provided   Note for the Subordinate Financing is not in the loan file.     Reviewer Comment (2019-05-16): Note for the Subordinate Financing was provided. Condition is cleared. Seller Comment (2019-05-15): Attached is a copy of the HELOC note for the simultaneous HELOC transaction. 05/16/2019     1 A 09/22/2018 MI Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687810 26508935 504966080 11824784 26508935-5790 05/11/2019 Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Timing Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. Evidence of earlier deliver is not in the loan file, only an acknowledgment is there showing it was received by or before closing, signed 9/22/2018.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/22/2018 MI Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687810 26508935 504966080 11824785 26508935-7038 05/11/2019 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/09/17/2018) Evidence of earlier delivery is not in the loan file.     Reviewer Comment (2019-05-16): AMC received required documents, exception is cleared. Seller Comment (2019-05-15): 5/14/19- Disagree with Finding. Borrowers Econsented.. Initial CD was provided via electronic delivery on 9/17/19 and acknowledgeed by borrowers on 9/17/18.. See Loan Summary uploaded 05/16/2019     1 A 09/22/2018 MI Primary Refinance - Cash-out - Other No Defined Cure C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687810 26508935 504966080 11824796 26508935-3867 05/11/2019 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. Borrower is paid and taxed under self employed rules. All earnings are paid via K-1 and traditional base/bonus earnings do not apply. Lender broke out bonus earnings in order to qualify and did not provide an exception to deviate from income calculation requirements. Borrower is a non-equity partner, but is still taxed under self employed rules due to income type and wages should not be considered as if they are paid via W2.     Reviewer Comment (2019-05-24): Final review updating the two income sources for the borrower both supported with LOE from employer and K1 also the borrower does not have any ownership of the business. Seller Comment (2019-05-22): Disagree. Per 43(c)(2)(i)(2): A creditor may base its determination of repayment ability on current or reasonably expected income from employment or other sources. Borrower's compensation is paid at a set monthly amount ($20,898). Compensation rate has increased annually and YTD earnings support the current rate. Bonus income was averaged over a two year period and borrower is eligible to receive bonus at year end ($5,366.12). Reviewer's calculation does not provide consideration of current year bonus paid at end of year. Income calculation using current rate and two year average of bonus is reasonable. Determination of borrower's repayment ability was based on borrower's current compensation, with letter from employer to support the expectation that the borrower's income will be available for repayment. The monthly qualifying income is reasonable and was verified with third-party records that provide reasonably reliable evidence of the consumer's expected income. DTI ratio is below 43%. Reviewer Comment (2019-05-17): The borrower total income is; 2016 $161,118 2017 $290,089 and year to date 9/27/2018 $188,082 and using the 2017 and YTD the borrower average income is $22,911.88 which reduced the DTI to 48.502%. There is no other income values that were not included. The YTD is the total of the CPA letter also. Seller Comment (2019-05-17): Borrower is a non-equity partner with no partnership interest in the firm. While he is paid via K1, borrower is paid a set monthly amount that has increased annually, in addition to an annual bonus paid in December, that has also increased annually. The base amount borrower is paid has increased from approximately $15k per month in 2016 to $20,898 per month in 2018. YTD earnings support the monthly earnings of $20,898. File includes WVOE and letter from the Director of Financial Services of the firm and provides detail to borrower's compensation, similar to an at-will employee. As there is no ownership interest in the firm, there is not the risk that is involved with ownership. Borrower's income has increased and it is reasonable the income will continue at the current level. 05/24/2019     1 A 09/22/2018 MI Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687810 26508935 504966080 11824832 26508935-4850 05/11/2019 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 09/22/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/22/2018) Due to Notary fee added on final CD     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 09/22/2018 MI Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687810 26508935 504966080 11824833 26508935-6331 05/11/2019 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 $-801.00. (9300) $0.00 lender credit on final CD     Reviewer Comment (2019-05-17): Cleared by compliance Reviewer Comment (2019-05-16): Upon further review, the exception is cleared. Seller Comment (2019-05-15): 5/14/19- Disagree withfinding. On 9/17/18, rate lock was extended and pricing changed to add discount in the amount of $1701.36. The pricing changed again on 9/21/18 and discount was removed as rate was now locked at PAR. See COC History included on Loan Summary and Lock History uploaded 05/17/2019     1 A 09/22/2018 MI 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 B C B A A Safe Harbor QM Safe Harbor QM Yes
206687810 26508935 504966080 11832456 26508935-25035 05/13/2019 Compliance Compliance Federal Compliance General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 48.50209% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) Excessive DTI due to income calculation. Borrower is paid and taxed under self employed rules. All earnings are paid via K-1 and traditional base/bonus earnings do not apply.     Reviewer Comment (2019-05-24): Addressed income Seller Comment (2019-05-22): Disagree. Per 43(c)(2)(i)(2): A creditor may base its determination of repayment ability on current or reasonably expected income from employment or other sources. Borrower's compensation is paid at a set monthly amount ($20,898). Compensation rate has increased annually and YTD earnings support the current rate. Bonus income was averaged over a two year period and borrower is eligible to receive bonus at year end ($5,366.12). Reviewer's calculation does not provide consideration of current year bonus paid at end of year. Income calculation using current rate and two year average of bonus is reasonable. Determination of borrower's repayment ability was based on borrower's current compensation, with letter from employer to support the expectation that the borrower's income will be available for repayment. The monthly qualifying income is reasonable and was verified with third-party records that provide reasonably reliable evidence of the consumer's expected income. DTI ratio is below 43%. Reviewer Comment (2019-05-17): The borrower total income is; 2016 $161,118 2017 $290,089 and year to date 9/27/2018 $188,082 and using the 2017 and YTD the borrower average income is $22,911.88 which reduced the DTI to 48.502%. There is no other income values that were not included. The YTD is the total of the CPA letter also. Seller Comment (2019-05-17): Borrower is paid via K1, but is paid a set monthly amount that has increased annually and receives annual bonuses as explained in letter from employer and WVOE. Borrower has no ownership. Income structure is paid similar to a salaried employee with a set amount paid each month and an annual bonus paid at the end of the year. Income has increased annually. 05/24/2019     1 A 09/22/2018 MI Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687810 26508935 504966080 11832458 26508935-1257 05/13/2019 Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Per the K1's provided supported by employer letter the borrower monthly total income is $22,911.88 which is significantly lower then used by lender of $26,264.13 and was not supported. The employer letter stated the total income is a combination of earnings and bonus. The total was used.     Reviewer Comment (2019-05-24): Final review updating the two income sources for the borrower both supported with LOE from employer and K1 also the borrower does not have any ownership of the business. Seller Comment (2019-05-22): Disagree. Per 43(c)(2)(i)(2): A creditor may base its determination of repayment ability on current or reasonably expected income from employment or other sources. Borrower's compensation is paid at a set monthly amount ($20,898). Compensation rate has increased annually and YTD earnings support the current rate. Bonus income was averaged over a two year period and borrower is eligible to receive bonus at year end ($5,366.12). Reviewer's calculation does not provide consideration of current year bonus paid at end of year. Income calculation using current rate and two year average of bonus is reasonable. Determination of borrower's repayment ability was based on borrower's current compensation, with letter from employer to support the expectation that the borrower's income will be available for repayment. The monthly qualifying income is reasonable and was verified with third-party records that provide reasonably reliable evidence of the consumer's expected income. DTI ratio is below 43%. Reviewer Comment (2019-05-17): The borrower total income is; 2016 $161,118 2017 $290,089 and year to date 9/27/2018 $188,082 and using the 2017 and YTD the borrower average income is $22,911.88 which reduced the DTI to 48.502%. There is no other income values that were not included. The YTD is the total of the CPA letter also. Seller Comment (2019-05-17): The total DTI ratio does not exceed 43% when the borrower's income is calculated at his current monthly rate of pay that had been earned for the nine months prior to closing. A conservative two year average of bonus income was considered. Letter from employer provides borrower's earnings with breakdown of the monthly compensation. Borrower has no ownership interest and the firm and a two year average of borrower's earnings does not take that borrower has no ownership in the firm into consideration that he does not have the same risk as a partner with an ownership interest. YTD earnings support borrower's income. 05/24/2019     1 A 09/22/2018 MI Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM Safe Harbor QM No
206687810 26508935 504966080 11832459 26508935-4394 05/13/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/22/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/09/22/2018) LTV is based on the current value rather than acquisition cost < 1 year ago. A Lender exception was granted to use the appraised value over the acquisition cost     Reviewer Comment (2019-05-16): AMC received required documents, exception is cleared. 05/16/2019     1 A 09/22/2018 MI Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM Safe Harbor QM Yes
206687811 26508936 504892635 11832748 26508936-4436 05/13/2019 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/05/03/2018) The date that the appraisal was provided to the borrower was not found in the file.     Reviewer Comment (2019-05-17): Client elects to waive.     05/17/2019 2 B 05/29/2018 MI Primary Refinance - Rate/Term   B B A B B B A A Safe Harbor QM Safe Harbor QM No
206687811 26508936 504892635 12022463 26508936-3831 05/24/2019 Credit Credit Miscellaneous Credit Exception:   Subject was acquired for $580,000 on 5/30/17, less than 12 months prior to the Note date and the Appraised Value of $617,000 was used to determine Loan to Value. An Approved Lender Exception including Compensating Factors was provided in the file. Use of Appraised Value instead of Acquisition Cost supported by Appraisal and CDA. Subject is a Rate and Term Refinance and no cash out is being taken. xxxx to xxxx refinance with 0x30 payment history provided. Overall credit is accepted. employment tenure, 770 FICO Originator Pre-Close Originator Pre-Close Originator Pre-Close Aggregator Reviewer Comment (2019-05-24): Client elects to waive Seller Comment (2019-05-24): 5/15: Loan had exception approval by management for loan to close one day early for LTV to be based off appraised value rather than acquisition cost. This is a xxxx to xxxx rate/term refinance. Property value supported by appraisal and CDA. Borrower has excellent credit history, job stability, and low qualifying ratios.     05/24/2019 2 B 05/29/2018 MI Primary Refinance - Rate/Term   B B A B B B A A Safe Harbor QM Safe Harbor QM No
206708054 26568125 103266237 11719895 26568125-6542 05/06/2019 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 $442.00 exceeds tolerance of $425.00. Insufficient or no cure was provided to the borrower. (7506) Cure of $17 was provided at closing.     Reviewer Comment (2019-05-06): The $17.00 was given to the borrower at closing to cure   05/06/2019   2 B 03/29/2019 CT 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
206708054 26568125 103266237 11719961 26568125-3495 05/06/2019 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/03/20/2019) Date valuation provided to applicant was prior to revision.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 03/29/2019 CT Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206708055 26568124 3000279384 11729597 26568124-4371 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/16/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/11/16/2018) The notary date is 12/2/2018 whereas the final CD lists a closing date as 12/1/2018     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 12/01/2018 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206708056 26568123 3000453872 11719195 26568123-25454 05/06/2019 Property Appraisal Reconciliation Value Discrepancy Loan is to go in a securitization and reflects only one valuation product when two are required.         Reviewer Comment (2019-05-21): Provided 05/21/2019     1 A 03/06/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206708056 26568123 3000453872 11720095 26568123-3495 05/06/2019 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/03/05/2019)       Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 03/06/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206708056 26568123 3000453872 11720149 26568123-4826 05/06/2019 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 03/05/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/05/2019) Transfer tax not initially disclosed, Zero Percent Fee Tolerance exceeded .     Reviewer Comment (2019-05-06): Cure provided at closing 05/06/2019     1 A 03/06/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206708056 26568123 3000453872 11720150 26568123-6411 05/06/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/03/05/2019) Seller's CD not provided     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 03/06/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
206708056 26568123 3000453872 11720151 26568123-6542 05/06/2019 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 $700.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) Appraisal fee $100 over initial disclosure     Reviewer Comment (2019-05-06): Cure provided at closing 05/06/2019     1 A 03/06/2019 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
206708056 26568123 3000453872 11729014 26568123-5404 05/06/2019 Credit Income / Employment Income Documentation Income Docs Missing: Borrower: Andrew Marshall VVOE - Employment Only VVOE dated within 10 days of closing not found in file     Reviewer Comment (2019-05-08): TWN provided dated within 10 days of Note. Exception cleared. Seller Comment (2019-05-08): Please review docs uploaded. 05/08/2019     1 A 03/06/2019 CA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
206708057 26568120 3000454701 11720048 26568120-3325 05/06/2019 Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 1244 Chelsea Village Hts. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Lease agreement was not supplied in the file. Income documentation for Schedule E income is insufficient.     Reviewer Comment (2019-05-10): Received, condition cleared. Seller Comment (2019-05-08): Rental Agreement 05/10/2019     1 A 03/12/2019 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206708057 26568120 3000454701 11720049 26568120-4436 05/06/2019 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/02/13/2019)       Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 03/12/2019 CO Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206708057 26568120 3000454701 11720050 26568120-3867 05/06/2019 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. Lease agreement was not supplied in the file. Income documentation for Schedule E income is insufficient.     Reviewer Comment (2019-05-10): Lease agreement provided. Exception cleared. 05/10/2019     1 A 03/12/2019 CO Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206708058 26568122 3000456010 11703332 26568122-4397 05/03/2019 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 04/12/2019 disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/04/12/2019) Calculating cash to close table page 3 disclosed cash from borrower of $58215.65. Cash from borrower in summaries of transaction on same page is $58715.65. Seller credit is listed on table but not in summary.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 04/12/2019 MA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Safe Harbor QM Safe Harbor QM Yes
206708059 26568121 3000464188 11721422 26568121-4371 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/22/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/03/22/2019) Final CD issued 03/22/2019, signed 03/24/2019, disbursement date 03/25/2019.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 03/22/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206708059 26568121 3000464188 11721423 26568121-25506 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 14,315.52 on Final Closing Disclosure provided on 03/22/2019 not accurate. (Final/03/22/2019) Missing tax estimation. Using 1.25% results in $ 1,081.25 vs Final CD of $1107.04 monthly     Reviewer Comment (2019-05-08): AMC received lender's tax calculation. Exception Cleared. Seller Comment (2019-05-08): Tax Calculation 05/08/2019     1 A 03/22/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206708059 26568121 3000464188 11721424 26568121-4673 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/22/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/792780) Using 1.25% property tax estimation of $1,081.25 monthly vs Final CD of $1,107.04 results in payment stream 1 not matching actual payment.     Reviewer Comment (2019-05-08): AMC received lender's tax calculation. Exception Cleared. Seller Comment (2019-05-08): Tax Calculation 05/08/2019     1 A 03/22/2019 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
206708059 26568121 3000464188 11721425 26568121-4612 05/06/2019 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 03/22/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/792780) Escrow amount is off as taxes were off . $1081.25 vs $1107.04     Reviewer Comment (2019-05-08): AMC received lender's tax calculation. Exception Cleared. Seller Comment (2019-05-08): Tax Calculation 05/08/2019     1 A 03/22/2019 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
206708059 26568121 3000464188 11721426 26568121-6411 05/06/2019 Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/03/22/2019) Missing Seller CD.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 03/22/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206708060 26568126 3000473914 11720898 26568126-4436 05/06/2019 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/03/30/2019) Appraisal Delivery Timing Waiver dated 3/15/19, delivery of appraisal at or before closing is not documented.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 04/01/2019 CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
206708060 26568126 3000473914 11721004 26568126-4371 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/01/2019 disclosed a Closing Date that did not match the actual date of consummation. (Final/04/01/2019) Documents were signed 4/02/2019.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 04/01/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206708060 26568126 3000473914 11721005 26568126-4397 05/06/2019 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 04/01/2019 disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/04/01/2019) Seller credit that is listed in cash to close table, does not appear in summary section.     Reviewer Comment (2019-05-09): Client elects to waive.     05/09/2019 2 B 04/01/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
206708060 26568126 3000473914 11721008 26568126-25513 05/06/2019 Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,832.56 on Final Closing Disclosure provided on 04/01/2019 not accurate. (Final/04/01/2019) Estimated costs over 1 year including, tax, insurance and HOA dues is $17887.85.     Reviewer Comment (2019-05-13): Letter of Explanation & Corrected Closing Disclosure provided. Exception cured. Seller Comment (2019-05-10): Please see attachment Reviewer Comment (2019-05-10): Updated taxes based on millage rate. Monthly breakdown is as follows: $986.10 Tax; $254.82 Hazard; $90 HOA for a total of $1330.92 per month. CD reflects monthly total as $1319.38. Reviewer Comment (2019-05-08): Calculations as follows: Hazard $3057.85, HOA $1080. Tax (sale price $1,100,000 x .0125) $13,750, special assessments $167.46 for a total of $18,055.31 for 12 months at the most conservative level. Seller Comment (2019-05-07): How did you come up with $17887.85? Can you please give me a breakdown?   05/13/2019   2 B 04/01/2019 CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes