GS Exception Detail Report - GSMBS 2019 PJ2

GS Loan ID

Seller ID Number

Finding ID

Deal Num

Investor Loan Number

Deal Specific Name

Exception ID

Last Name

Loan Purpose

Occupancy

Note Date

State

Original Loan Amount

Loan Status

Exception Date

Exception Type

Exception Subcategory

Exception Status

Exception Status Change Date

Exception Grade

Exception

Exception Information

Exception Rebuttal

Exception Rebuttal Date

Compensating Factors

Statute of Limitation Date

Assigned To

Status Comment

DR Response Date

12883118

21864915

0423917046

12021C0205

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR was ordered and supported the origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 11:27AM)

12883118

21864037

0423917046

12021C0205

367009

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Credit Scores

Resolved

Credit

The borrower's credit scores are below the minimum allowable per guidelines. Per Investor guidelines the minimum credit score allowed for a second home purchase is XXX. The Borrowers mid score was XXX and the Co-borrowers mid score was XXX. The Borrowers loan credit score is XXX which is below the minimum credit score allowed by the Investor.

The min credit score allowed for second homes was XXX; please see uploaded guidelines.

Rebuttal (XX/XX/XXXX 12:18PM)

Documentation provided is sufficient. Guidelines allow credit score of XXX and X unit second home and mid score is XXX. (Resolved)

Response (XX/XX/XXXX 12:22PM)

12883118

21864020

0423917046

12021C0205

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883119

21865801

0300084829

1811338664

366830

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

XXXX Consumer Complaint Disclosure - Missing

Resolved

Compliance

The XXXX Consumer Complaint Disclosure is missing from the file. XXXX Consumer Home Loan Act XX Code ' 37-23-70(D)

XXXX Consumer Compliant Disclosure was uploaded.

Rebuttal (XX/XX/XXXX 12:42PM)

XXXX Complaint Disclosure has been provided.

Response (XX/XX/XXXX 12:43PM)

12883119

21864060

0300084829

1811338664

366941

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX.

12883119

21864097

0300084829

1811338664

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination appraised value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:34PM)

12883119

21864100

0300084829

1811338664

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883120

21864142

0300013448

45019C0513

366941

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent company on the last revised CD issued on, XX/XX/XXXX.

12883120

21864144

0300013448

45019C0513

366949

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- premiums Optional

Acknowledged

Compliance

The Home Warranty on the CD issued on XX/XX/XXXX, is not followed by the word 'Optional'. Items that disclose any premiums paid for separate insurance, warranty, guarantee, or event-coverage products not required by the creditor must include the parenthetical description '(Optional)' at the end of the label.

12883120

21864807

0300013448

45019C0513

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883120

21864809

0300013448

45019C0513

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:29PM)

12883121

21864502

0300032323

1808071731

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883121

21864757

0300032323

1808071731

367064

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

REO Rental Income Calc

Void

Credit

The rental income was not properly calculated resulting in a recalculated DTI that exceeds allowable tolerance. The lender qualified the borrower using $XXXX or XX% of $XXXX for the borrower's departing residence to calculate the rental income, however, the Operating Income from the appraisal indicated the market rent as $XXXX. The recalculated DTI of XX% exceeds the maximum of XX% that was allowed.

The lease agreement forthe vacating property is for $XXX with a $XXX money order for down payment infile. We are qualifying on less than what actual lease contract isfor. Using $XXX which seems to align more with market. The appraiser notes that typical rents for area range from $XXX to $XXX. The operating statement reflects $XXX for both units as market rents(HUDvalues support)- at XX% $XXX is similar income used to qualify. Thevacating unit was recently updated and is why he was able to ask more.

Rebuttal (XX/XX/XXXX 1:36PM)

Guidelines do not require the Operating Income Statement to be used for rental income. In order to utilize rental income on a departure residence, guidelines require an executed lease agreement of at least one year's duration after the loan is closed, evidence of the security deposit and an LTV of XX% or less. The departure residence was a X unit property in which X unit had been rented for the past X years and was reflected on Schedule E. The new unit rented due to the borrowers' departure was documented with a lease agreement in the amount of $XXX per month until XX/XX/XXXX which is well over one year after the subject closing. The security deposit of $XXX was documented in file with a money order and the deposit slip into the borrowers' account. In addition, the appraisal provided verified a value of $XXX which verified an LTV of XX%. Conservative figure of $XXX was used at origination however full $XXX was documented and could be used which results in a DTI of XXX%. (Void)

Response (XX/XX/XXXX 1:44PM)

12883121

21864760

0300032323

1808071731

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered returned a value of $XXXX, an XX variance from the origination appraised value of $XXXX.

Response (XX/XX/XXXX 11:20AM)

12883122

21864112

0423936921

26086875

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883122

21863952

0423936921

26086875

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Cleared

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA in file supports the origination appraisal value.

12883122

21863977

0423936921

26086875

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883124

21864134

0423841410

2113394528

367058

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Program Parameters

Resolved

Credit

The subject loan does not meet Jumbo Loan Program Parameters for minimum loan amount. The minimum loan amount is $XXXX and the loan closed with a loan amount of $XXXX.

Please see uploaded guidelines; minimum loanamount was $XXX.

Rebuttal (XX/XX/XXXX 12:23PM)

Documentation provided is sufficient. Guidelines require a minimum loan amount of $XXXX and subject loan amount is $XXX. (Resolved)

Response (XX/XX/XXXX 12:27PM)

12883124

21864140

0423841410

2113394528

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR was ordered and supports original appraisal value of $XXXX with X% variance.

Response (XX/XX/XXXX 11:19AM)

12883124

21864805

0423841410

2113394528

366941

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent company and the individual Contact on last revised CD issued XX/XX/XXXX.

12883124

21864828

0423841410

2113394528

366880

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - CD Incomplete / Inaccurate

Acknowledged

Compliance

The CD issued XX/XX/XXXX reflects a Title Fee (Line 10 - $XX) in Section B that is incomplete without a description of the service. Per Regulation, services related to the issuance of title insurance policies must be described.

12883125

21864995

0300041183

12091C0493

366941

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent Individual Contact on the last revised CD issued on XX/XX/XXXX.

12883125

21864997

0300041183

12091C0493

366894

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date non-numerical

Acknowledged

Compliance

This loan failed the non-numeric clerical error post-consummation revised closing disclosure delivery date test. The PCCD issued on XX/XX/XXXX was provided more than 60 calendar days after the consummation date, XX/XX/XXXX.

12883125

21865044

0300041183

12091C0493

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Cleared

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA in file supports the origination appraisal value.

12883125

21865047

0300041183

12091C0493

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883126

21864104

0423828474

47187C0230

366950

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Section B incorrect payee

Acknowledged

Compliance

The loan contains a fee or fees where 'compensation to' is blank under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.

Exception noted, however our opinion is this is a clerical error and does not present a material finding as loan is still salable. Invoice uploaded for documentation

Rebuttal (XX/XX/XXXX 3:07PM)

The information provided is not sufficient to cure the finding. Although non-material, in order to cure the defect, a PCCD showing the person/company that ultimately received payment is required. Upgrade to 2 (Upheld)

Response (XX/XX/XXXX 11:03AM)

12883126

21864109

0423828474

47187C0230

366941

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent Individual Contact on the last revised CD issued on XX/XX/XXXX.

12883126

21864474

0423828474

47187C0230

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883126

21864475

0423828474

47187C0230

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Cleared

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a field review which supports the appraised value.

12883127

21864954

0423708957

25970187

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination appraised value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:45PM)

12883127

21864851

0423708957

25970187

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883127

21865267

0423708957

25970187

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883128

21863986

0423866151

2144901290

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination appraised value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:46PM)

12883128

21863961

0423866151

2144901290

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883128

21863972

0423866151

2144901290

366902

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Zero Tolerance Violation Not Cured

Resolved

Compliance

This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)). The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the credit report fee and the addition of the Title - Lender's Title Insurance was not accepted. This results in a tolerance violation in the amount of $XXXX, of which $XXXXX was refunded at consummation. The remaining violation is $XXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund.

The variance was $XX, the client indicated itshould be isolated as rounding.

Rebuttal (XX/XX/XXXX 4:11PM)

The information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 4:12PM)

12883129

21864062

0423615970

1804286495

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR was ordered and supported the origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:46PM)

12883129

21864091

0423615970

1804286495

367065

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Reserve Assets

Resolved

Credit

Sufficient reserves to meet requirements were not verified in the file. The subject transaction required 12 months reserves or $XXXXX. Total verified assets of $XXXXX were not sufficient for total required assets of $XXXX as reserves are short by $XXXX.

X months reserves were allthat were required. Please see uploaded guidelines.

Rebuttal (XX/XX/XXXX 11:53AM)

Documentation provided is sufficient. Guidelines for subject transaction require 6 months reserves. Total verified assets of $XXX are sufficient for total required assets of $XXX. (Resolved)

Response (XX/XX/XXXX 12:03PM)

12883129

21864509

0423615970

1804286495

366886

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

This loan failed the initial closing disclosure delivery date test. The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required.

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 2:21PM)

12883129

21864512

0423615970

1804286495

366941

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent company and Individual Contact on the last revised CD issued on XX/XX/XXXX.

12883131

21864764

0423901792

26134294

367013

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Debts

Resolved

Credit

The borrower's business pays XXX and XXX payments which were excluded from qualifying debts. Per the guidelines; documentation verifying the "most recent" 12 months payments were paid by the business is required. The file contains evidence payments were made by the business X/XXXX through X/XXXX. Subject loan closed XX/XX/XXXX and origination credit report verified a payment made on the XXX debt in X/XXXX. Therefore most recent business bank statements are required.

Business Bank Statements in file document X month payment history and are within X days of closing.

Rebuttal (XX/XX/XXXX 4:45PM)

Finding resolved through calibration. Loan file contained business bank statements which documented payments on debts for X months and were dated X/XX to X/XX. The origination credit report verified an additional payment on X/XX and guidelines require the most recent bank statements to verify debts are paid by the business. However, the loan closed in X/XX and bank statements provided are within 90 days of closing which is deemed acceptable. (Resolved)

Response (XX/XX/XXXX 4:49PM)

12883131

21864766

0423901792

26134294

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883131

21864756

0423901792

26134294

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 11:29AM)

12883132

21865029

0423408566

1709B77365

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 11:37AM)

12883132

21865031

0423408566

1709B77365

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883132

21865270

0423408566

1709B77365

366907

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct File number.

12883133

21865555

0300017217

1806A68145

367051

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Miscellaneous

Void

Credit

The subject loan closed on XX/XX/XXXX as completed construction and the borrowers purchased the vacant lot on XX/XX/XXXX, which is less than 12 months; therefore, the loan must meet Purchase guidelines. The loan file is missing proof of the lot purchase, the construction contract, and the cost breakdown to accurately reconcile value and LTV.

Disagree as the loan is payoff of constructionloan. Rate /term refi/ LTV based on the appraised value. Mortgageto be paid off > 6 months old and the borrower has owned the lot > 6months (since XX/XXXX) All regs. state rate/term refi allowed if borroweralready owns the land. I don't see any policy that states min of 12 months lotownership required in order to use the appraised value

Rebuttal (XX/XX/XXXX 3:09PM)

Construction loan paid off at closing was documented with VOM in file and was opened X/XX which is greater than 6 months prior to subject closing. Borrower is reflected as lien holder on construction loan on VOM and on Title. (Void)

Response (XX/XX/XXXX 3:22PM)

12883133

21865800

0300017217

1806A68145

366840

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

XXXX Creditor-Placed Insurance Disclosure - Credit Agreement

Cleared

Compliance

The XXXX Creditor-Placed Insurance Disclosure is missing from the file. Required if lender will force-place insurance if borrower insurance coverage lapses. XXXX Creditor-Placed Insurance Act of XXXX Code Ann. '' 56-49-111; 56-49-113(a)(1)

The XXXX creditor place insurance disclosure requirement was met on page 5 of the security instrument.

Response (XX/XX/XXXX 10:25AM)

12883133

21864136

0300017217

1806A68145

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination appraised value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:31PM)

12883134

21864143

0300020708

1806583233

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883134

21864145

0300020708

1806583233

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination appraised value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:47PM)

12883134

21864738

0300020708

1806583233

366905

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Calculating Cash to Close LE column

Acknowledged

Compliance

The Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the revised LE issued on XX/XX/XXXX.

Total difference is $XX; a X% difference;differences are itemized in Total Loan Costs and Total Other Costs in CD

Rebuttal (XX/XX/XXXX 6:27AM)

The information provided is not sufficient to cure the finding. Although the difference is $XX, the Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the revised LE issued on XX/XX/XXXX. Defect is non-material. (Upheld)

Response (XX/XX/XXXX 11:43AM)

12883135

21865018

0300022084

1807068314

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883135

21865020

0300022084

1807068314

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:26PM)

12883135

21864844

0300022084

1807068314

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883136

21864737

0300027844

1807697406

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883136

21864958

0300027844

1807697406

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:47PM)

12883136

21864975

0300027844

1807697406

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883137

21864969

0300048352

1803410956

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR was ordered and returned Inconclusive results. A field review has been ordered.Field review ordered and returned value of $XXX on subject dwelling and included site value adjustment of positive $XXX which brings total value to $XXX. Value is supported as origination appraised value was $XXX.

Response (XX/XX/XXXX 4:08PM)Response (XX/XX/XXXX 5:50PM)

12883137

21864970

0300048352

1803410956

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883137

21864767

0300048352

1803410956

366905

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Calculating Cash to Close LE column

Acknowledged

Compliance

New documentation addressing this finding has not been provided. Defect is non-material. (Upheld)

Response (XX/XX/XXXX 11:44AM)

12883137

21864768

0300048352

1803410956

366941

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent Individual Contact on the last revised CD issued on XX/XX/XXXX.

New documentation addressing this finding has not been provided. (Upheld)

Response (XX/XX/XXXX 11:44AM)

12883138

21864834

0300051265

2145285793

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883138

21864836

0300051265

2145285793

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

Review Appraisal uploaded.

Rebuttal (XX/XX/XXXX 2:30PM)

ARR ordered and supported origination value of $XXXX with a X% variance.

Response (XX/XX/XXXX 3:50PM)

12883138

21864878

0300051265

2145285793

366950

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Section B incorrect payee

Acknowledged

Compliance

The loan contains a fee or fees where 'compensation to' is blank under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX (Final Inspection fee). However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.

Exception noted, however our opinion is this is a clerical error and does not present a material finding as loan is still salable. Invoice uploaded for documentation

Rebuttal (XX/XX/XXXX 2:57PM)

Response (XX/XX/XXXX 11:04AM)

12883138

21864885

0300051265

2145285793

366949

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- premiums Optional

Acknowledged

Compliance

The Home Warranty on the CD issued on XX/XX/XXXX is not followed by the word 'Optional'. Items that disclose any premiums paid for separate insurance, warranty, guarantee, or event-coverage products not required by the creditor must include the parenthetical description '(Optional)' at the end of the label.

12883138

21864900

0300051265

2145285793

366725

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

HMDA - Government Monitoring

Acknowledged

Compliance

The Government Monitoring Section on the application was not completed. The Ethnicity Section is incomplete for the borrower; the race and Ethnicity Sections are incomplete for the coborrower.

12883139

21864466

0300062494

2145446926

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported value of $XXXX with a X% variance.

Response (XX/XX/XXXX 3:53PM)

12883139

21864492

0300062494

2145446926

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883139

21864771

0300062494

2145446926

366949

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- premiums Optional

Acknowledged

Compliance

12883140

21864739

0300064045

2145460566

366950

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Section B incorrect payee

Resolved

Compliance

The loan contains a fee or fees where 'compensation to' is blank under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX .Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.

Exception noted, however our opinion isthis is a clerical error and does not present a material finding as loan isstill salable. Invoice uploaded for documentation

Rebuttal (XX/XX/XXXX 3:01PM)

Response (XX/XX/XXXX 3:53PM)

12883140

21864742

0300064045

2145460566

366880

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - CD Incomplete / Inaccurate

Acknowledged

Compliance

The CD issued XX/XX/XXXX in the loan file reflects a Title - fee paid by the borrower, however, reviewing further documents (Alta issued XX/XX/XXXX and Fee variance worksheet) reflects the fee name should be as such: Title - Restrictions, Encroachments, Minerals Endorsement fee.

12883140

21864029

0300064045

2145460566

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883140

21864030

0300064045

2145460566

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

Appraisal Review uploaded.

Rebuttal (XX/XX/XXXX 2:35PM)

ARR ordered and supported origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 4:03PM)

12883142

21864038

0423893668

1805B41483

366988

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Assets

Resolved

Credit

Required assets included $XXXX for the transaction and $XXXX in reserves for a total of $XXXX. Total documented assets were reduced by a $XXXX non-qualified gift from a friend deposited on XX/XX/XXXX. As a result, the borrower was $XXXX short of required reserves.

Please see uploaded guidelines as 6 months reserves wererequired on subject, not 12. Adequate reserves in file w/the $XX non-qualified gift backed out.

Rebuttal (XX/XX/XXXX 12:29PM)

Documentation provided is sufficient. Guidelines require 6 months reserves on X unit primary residence. Total verified assets of $XXX are sufficient for total required assets of $XXX. (Resolved)

Response (XX/XX/XXXX 12:37PM)

12883142

21864052

0423893668

1805B41483

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883142

21864095

0423893668

1805B41483

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported origination value of $XXXX with X% variance.

Response (XX/XX/XXXX 5:48PM)

12883144

21864092

0300062502

1810224588

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR was ordered and supported origination value of $XXXX with a X% variance.

Response (XX/XX/XXXX 11:21AM)

12883144

21864093

0300062502

1810224588

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

12883144

21863979

0300062502

1810224588

366870

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

12883145

21864118

0300037009

67861691

366950

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Section B incorrect payee

Acknowledged

Compliance

The loan contains a fee where 'compensation to' is blank or reflects either 'Lender or Broker' under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. However, this fee should not be retained by the lender or broker. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.

Exception noted, however our opinion is this is a clerical error and does not present a material finding as loan is still salable. Invoice uploaded for documentation

Rebuttal (XX/XX/XXXX 2:45PM)

Response (XX/XX/XXXX 11:05AM)

12883145

21865437

0300037009

67861691

367123

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was performed by appropriately licensed appraiser

Resolved

Valuation

The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA was missing from the loan file.

ARR ordered and supported original appraised value of $XXXX with X% variance.

Response (XX/XX/XXXX 11:21AM)

12883145

21864884

0300037009

67861691

367077

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656528

21878984

83128918

1408792768

368981

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Debts

Resolved

Credit

The borrower is purchasing a newly constructed home. Taxes used for qualifying were on unimproved land. The file does not contain a calculation for improved taxes. Unable to accurately calculate DTI. Taxes need to be calculated on improved property and if revised DTI exceeds initial DTI of XX%, then loan needs to be reran through LP receiving an Accept Eligible.

X/XX - ** ISSUE **cannot locate LOE orsupporting docs to exclude XXX/mo auto payment that is on credit report andnot on final 1003, but is on initial 1003.LOX provided which stated that taxes used were based on the previous property value. New taxes were not available for the new construction.

Rebuttal (XX/XX/XXXX 12:04PM)Rebuttal (XX/XX/XXXX 9:02AM)

Awaiting Seller documentation. (Upheld)LOX confirmed that taxes used to qualify were based on the previous property value which was unimproved land. Subject is new construction. DTI at origination is XXX% with monthly taxes based on land value of $XXX per month on the subject property. The tax cert in file verified that the tax rate of XX was applied to a total amount of $XXX for taxes on the land which results in the $XXX per month figure. However, the origination appraisal in file reflected $XXX for taxes and if this figure was used at $XXX the DTI would increase to XX%. (Upheld)LP Accept with AUS Key XXX provided which was assessed on XX/XX/XXXX with full taxes on the subject from appraisal and received an Accept rating with a DTI of X%. (Resolved)

Response (XX/XX/XXXX 9:43AM)Response (XX/XX/XXXX 9:16AM)Response (XX/XX/XXXX 4:03PM)

25656528

21879026

83128918

1408792768

369007

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Gift Letter / Funds

Resolved

Credit

The file contains two gift checks borrowers received; however, the file does not contain a Gift Letter signed by each of the donors:XXXX for $XXXX and XXXX for $XXXX. Both gifts were used for earnest money deposit paid in the amount of $XXXX. Excluding gifts; borrowers would be short $XXXX funds for closing.

LOE provided to reflect that two gifts of $XXX each were not used and backed out of assets and that verified assets in file were still sufficient.

Rebuttal (XX/XX/XXXX 5:05PM)

The final Closing Disclosure in file verified an EMD of $XXX, POCs of $XXX and total cash to close of $XXX therefore total required assets are $XXXX. The XXXX account ending #XXX verified a balance of $XXX as of XX/XX/XXXX. The EMD check of $XXX cleared on XX/XX/XXXX however $XXXX of those funds were the two $XXX gifts that were omitted. Total verified assets are $XXXX therefore assets are short by $XXX. (Upheld)Final Closing Disclosure provided which is dated XX/XX/XXXX and time stamped at 12:47 pm which verified cash to close of $XXXX. Cleared EMD of $XXX and $XXXX was verified in the XXXX account ending #XXX. Subject loan closed XX/XX/XXXX and appraisal was dated XX/XX/XXXX therefore appraisal POC was paid well before closing. HOI policy verified the annual premium was paid in full. LOE and CD provided along with loan documentation verified sufficient assets of $XXXX to cover cash to close of $XXX. (Resolved)

Response (XX/XX/XXXX 9:43AM)Response (XX/XX/XXXX 4:49PM)

25656528

21872814

83128918

1408792768

367530

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656529

21878438

83108155

1406984017

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines

25656529

21877961

83108155

1406984017

368960

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656530

21875936

83139207

1410416700

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656530

21875999

83139207

1410416700

368822

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX . If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required.

Attached Discl Tracking and initialDisclosure .

Rebuttal (XX/XX/XXXX 10:17AM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 11:42AM)

25656530

21876009

83139207

1410416700

368928

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Federal Testing

Resolved

Compliance

This loan failed the TRID Total of Payments Post Consummation Revised Closing Disclosure Validation Test.This loan contained a Post Consummation Revised Closing Disclosure and at least one other Closing Disclosure. The last Post Consummation Revised Closing Disclosure in the sequence provided a disclosed Total of Payments, but there was not a disclosed Total of Payments provided on the last pre-consummation Closing Disclosure in the sequence. A Total of Payments disclosed at or prior to consummation is necessary for testing the accuracy of the disclosed Total of Payments.

Attached Disclosure Tracking, CD's X/XX,X/XX, X/XX, X/XX,X/XX all showing projected payments.

Rebuttal (XX/XX/XXXX 10:19AM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 11:43AM)

25656535

21875061

83125497

1408467211

369391

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Calculating Cash to Close LE column

Acknowledged

Compliance

25656535

21876797

83125497

1408467211

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656536

21877486

83108095

1406943230

368780

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID Tolerance - Zero Tolerance Violation (No Valid COC)

Resolved

Compliance

The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the addition to the following fees on XX/XX/XXXX was not accepted: Points - Loan Discount Fee, Re-Inspection Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) A cost to cure in the amount of $XXXX is required.

XX/XX/XXXX - Pulled LE COC, due to there is no need for a COC on the initial CD’s sent on X/XX. On XX/XX the final LE’s had been sent when the loan was locked also for the re-inspection being needed. In viewing what itemization looked like at that time the points and the re-inspection being needed had been added. COC’s had been done for that then. When the initial CD went out those numbers had been disclosed to the customer already. The only adjustment to those numbers was that the re-inspection went down but that wouldn’t be cause for a COC.

Rebuttal (XX/XX/XXXX 11:52AM)

Documentation provided is not sufficient to resolve the finding. Loan Estimate issued XX/XX/XXXX was not provided for review. Only LE received was issued XX/XX/XXXX. Please provide all Loan Estimates for additional review. (Upheld)The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 12:36PM)Response (XX/XX/XXXX 1:13PM)

25656536

21877528

83108095

1406943230

369391

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Calculating Cash to Close LE column

Acknowledged

Compliance

The Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the initial LE issued on XX/XX/XXXX.

25656536

21877534

83108095

1406943230

369430

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Transaction Information/Seller Info

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Seller names when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii)

25656536

21877363

83108095

1406943230

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656536

21877590

83108095

1406943230

369249

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

XXXX Cosigner Notice - Open-End Credit

Acknowledged

Compliance

The file reflects that there is a cosigner on the account, but there is no evidence in the file that the XXXX Cosigner Notice was provided to the cosigner, along with a completed copy of the agreement establishing the account or any other writing evidencing the obligation. XXXX Gen Oblig. Law ' 15-702

25656538

21873075

NE0436426

1410542406

369393

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)

25656538

21873191

NE0436426

1410542406

368721

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

QM - Points and Fees

Resolved

Compliance

The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan's total points and fees were $XXXX, which exceeded: X% of total loan amount.The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds 3percent of the total loan amount of $XXXX. The following fees were included in the testing: Mortgage Broker Fee (Indirect) $XXXX and Point- Loan Discount Fee $XXXX; if discount points and fees are bona-fide and excludable, provide undiscounted rate > Truth In Lending Act (Regulation Z)12 CFR 1026.43(e)(2)(iii), (e)(3)

X/XX - provided LOE with ATR/QM screen shot

Rebuttal (XX/XX/XXXX 12:42PM)

The provided documentation is insufficient to cure the finding. Please provide evidence of undiscounted rate for review. (Upheld)The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:33PM)Response (XX/XX/XXXX 1:46PM)

25656538

21873200

NE0436426

1410542406

368822

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

Attached Discl Tracking and initial Disclosure . (Uploaded to GS).

Rebuttal (XX/XX/XXXX 12:46PM)

The provided documentation is insufficient to cure the finding. Per Disclosure Tracking Summary, an initial CD was issued XX/XX/XXXX; however, this CD was not provided for review. Please provide all Loan Estimates and all Closing Disclosures for review. (Upheld)The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:31PM)Response (XX/XX/XXXX 1:47PM)

25656538

21873213

NE0436426

1410542406

369178

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Disclosures Federal Late

Acknowledged

Compliance

The following disclosures provided in the loan file were not disclosed within 3 business days of the application date, XX/XX/XXXX: HOC was dated XX/XX/XXXX.

25656538

21877331

NE0436426

1410542406

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656546

21877318

83134657

1409922770

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656546

21874086

83134657

1409922770

368724

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

QM - Rebuttable Presumption (HPML)

Resolved

Compliance

The loan qualifies for QM-Rebuttable Presumption. The loan exceeds the HPML APR threshold as follows: The date used for rate set is .The loan is a Higher-Priced Covered Transaction subject to QM-Rebuttable Presumption. Truth in Lending Act (Regulation Z)12 CFR 1026.43(e)(1)(ii)

Attached is the ATR/Safe Harbor Screen Shot supporting the loan not exceeding the HPML APR Threshold.(Uploaded to GS)

Rebuttal (XX/XX/XXXX 1:38PM)

The provided documentation is insufficient to cure the finding. Please provide evidence of rate lock confirmation with evidence of date rate was set. (Upheld)The documentation provided is not sufficient to cure the finding. The rate lock provided confirmed the rate lock date of XX/XX/XXXX. (Upheld)We have reviewed the rebuttal responses and remediation documents for the HPMLs. Based on the HPML requirements, Right to Receive Appraisal disclosure and documentation that the borrower received the appraisal three days prior to closing. The right to receive appraisal disclosure was dated XX/XX/XXXX, the initial application was XX/XX/XXXX. Pursuant to 12 CFR § 1002.14(a), the right to receive appraisal disclosure must be provided to the borrower/s with three business days of application, the loan is non-compliant.The initial LE provided is sufficient to cure the finding. (resolved)

Response (XX/XX/XXXX 2:00PM)Response (XX/XX/XXXX 1:54PM)Response (XX/XX/XXXX 9:19AM)Response (XX/XX/XXXX 12:23PM)

25656546

21874096

83134657

1409922770

369391

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Calculating Cash to Close LE column

Acknowledged

Compliance

25656568

21877877

2101000062

1410307559

369198

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

HMDA - Government Monitoring

Acknowledged

Compliance

The Government Monitoring Section on the application was not complete. Home Mortgage Disclosure Act (Regulation C)12 CFR 1003.4(b)Equal Credit Opportunity Act (Regulation B)12 CFR 1002.13

25656568

21876910

2101000062

1410307559

368822

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

Attached Discl Tracking and initial Disclosure . (Uploaded to GS).

Rebuttal (XX/XX/XXXX 5:33PM)

The Disclosure tracking summary and initial disclosure have not been provided. (finding Upheld).The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 5:53PM)Response (XX/XX/XXXX 3:25PM)

25656568

21878807

2101000062

1410307559

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656569

21877459

83126457

1409620353

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656569

21875225

83126457

1409620353

368960

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656570

21874220

83136220

1409909437

368822

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

Attached Discl Tracking and initial Disclosure . (Uploaded to GS).

Rebuttal (XX/XX/XXXX 1:06PM)

The provided documentation is insufficient to cure the finding. There is no evidence of CD issued XX/XX/XXXX. Please provide CD issued XX/XX/XXXX for testing. (Upheld)The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:11PM)Response (XX/XX/XXXX 3:33PM)

25656570

21876953

83136220

1409909437

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656571

21877878

83134898

1409504127

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656571

21875772

83134898

1409504127

369391

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Calculating Cash to Close LE column

Acknowledged

Compliance

The Cash to Close on the CCTC table on page 3 of the PCCD issued on, XX/XX/XXXX, in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the revised LE issued on XX/XX/XXXX .

25656571

21875869

83134898

1409504127

368780

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID Tolerance - Zero Tolerance Violation (No Valid COC)

Resolved

Compliance

The loan failed the charges that cannot increase test.A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Appraisal Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) A cost to cure in the amount of, $XXXX is required.

XX/XX/XXXX - Pulled LE COC, due to there is no need for a COC on the initial CD’s sent on X/XX On XX/XX the final LE’s had been sent when the loan was locked also for the re-inspection being needed. In viewing what itemization looked like at that time the points and the re-inspection being needed had been added. COC’s had been done for that then. When the initial CD went out those numbers had been disclosed to the customer already. The only adjustment to those numbers was that the re-inspection went down but that wouldn’t be cause for a COC.

Rebuttal (XX/XX/XXXX 1:14PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:22PM)

25656572

21872887

83139011

1409925443

367212

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656572

21878872

83139011

1409925443

368765

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID Disclosures E-consent missing

Resolved

Compliance

The following disclosures were electronically signed but the consumer's E-consent was not provided in the loan file: Homeownership Counseling Disclosure, Initial 1003 and Initial LE signed XX/XX/XXXX. Per regulation, prior to receiving documents electronically the consumer(s) must consent.

Pulled e-sign consent dated XX/XX/XXXX prior to disclosure sent on XX/XX/XXXX - uploaded to GS

Rebuttal (XX/XX/XXXX 5:37PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 5:37PM)

25656572

21878786

83139011

1409925443

368822

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following:Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with ' 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act).

Attached Discl Tracking and initial Disclosure . (Uploaded to GS).

Rebuttal (XX/XX/XXXX 5:35PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 5:35PM)

25656572

21878790

83139011

1409925443

368769

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID LE - Revised LE Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Revised Loan Estimate delivery date test due to the following: Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with ' 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). > Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(4)(ii)

Documentation uploaded.

Rebuttal (XX/XX/XXXX 2:52PM)

The documentation provided is sufficient to cure the finding.

Response (XX/XX/XXXX 7:17PM)

25656574

21878791

83125981

1408486845

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656574

21874188

83125981

1408486845

368960

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656575

21897581

83132346

1410003991

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

The appraised value was supported within X% and all applicable appraisal guidelines were satisfied. The DU findings allowed an Appraisal Waiver based on estimated value of $XXXX. A retroactive XXXX was ordered which supported the value of $XXXX with X% variance.

25656575

21879030

83132346

1410003991

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656575

21877972

83132346

1410003991

369432

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)

25656576

21875793

83131170

1410109118

368738

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Revised CD - No Waiting Period

Resolved

Compliance

This loan failed the revised Closing Disclosure delivery date test (no waiting period required). Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to consummation. Per regulation, it is the creditor's responsibility to provide disclosures prior to consummation. If disclosure was delivered electronically please provide evidence of receipt, as well as the consumer's E-consent.

Attached the Disclsoure Tracking and the Initial CD. (uploaded to GS)

Rebuttal (XX/XX/XXXX 1:27PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:34PM)

25656576

21876854

83131170

1410109118

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656577

21906336

83136498

1409738127

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656577

21877586

83136498

1409738127

369054

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Hazard Insurance

Resolved

Credit

The loan was missing current hazard insurance policy on the subject property to evidence HO6 coverage. The Condo Master policy does not specify Walls In coverage as required per FNMA guidelines. HOA bylaws provided do not specifically address interior wall coverage.

X/XX- Per documentation in file, Condo Dept. confirmed with HOA to Walls In coverage is need, part of By Laws. Supporting documents uploaded to GS for review

Rebuttal (XX/XX/XXXX 11:35AM)

Documentation provided is sufficient. CPM Project Approval and verification that Master HOI Policy covers all of subject dwelling except for only furniture, furnishings and other personal property located in respective units. (Resolved)

Response (XX/XX/XXXX 11:41AM)

25656578

21896478

83090649

1409907070

370711

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID Tolerance - Zero Tolerance Violation (Disclosure Timing Fail)

Resolved

Compliance

As a result of the documentation provided during the rebuttal process, The loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX. Because the change occurred on XX/XX/XXXX, and consumer was not provided the disclosure within 3 days of the change, the addition of Loan Discount Points on the LE issued XX/XX/XXXX was not accepted as valid. In addition, a valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees were not accepted: Credit Report and Appraisal Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv)

Documentation uploaded

Rebuttal (XX/XX/XXXX 3:21PM)

The documentation provided is not sufficient to cure the finding. The COC issued XX/XX/XXXX provided for the addition to the Loan Discount Points fee on the LE issued XX/XX/XXXX is not accepted, because the change was not issued within 3 business days from the disclosure.Document provided is sufficient to cure the findings. (Resolved)Document provided is sufficient to cure the findings. (Resolved)

Response (XX/XX/XXXX 3:27PM)Response (XX/XX/XXXX 11:42AM)Response (XX/XX/XXXX 11:42AM)

25656578

21896484

83090649

1409907070

370684

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Transaction Information/Seller Info

Acknowledged

Compliance

As a result of the documentation provided during the rebuttal process. The CD issued on XX/XX/XXXX does not reflect the complete Seller < address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii)

25656578

21896493

83090649

1409907070

370690

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Section B incorrect payee

Resolved

Compliance

As a result of the documentation provided during the rebuttal process. The loan contains a fee or fees where 'compensation to' does not reflect a payee on the revised CD issued on XX/XX/XXXX. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.

Resolved

Response (XX/XX/XXXX 3:26PM)

25656578

21896498

83090649

1409907070

370681

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

As a result of the documentation provided during the rebuttal process. The license number is missing for the Settlement Agent company and Individual Contact on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

25656578

21872935

83090649

1409907070

367411

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Missing Closing Disclosure

Resolved

Compliance

There is no evidence of a complete, Closing Disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, tolerance violation review, and final Closing Disclosure accuracy.

Attached the Final CD (Uploaded to GS)

Rebuttal (XX/XX/XXXX 1:40PM)

Response (XX/XX/XXXX 1:47PM)Response (XX/XX/XXXX 4:35PM)

25656578

21872968

83090649

1409907070

367336

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID Disclosures E-consent missing

Resolved

Compliance

The following disclosures were electronically signed but the consumer's E-consent was not provided in the loan file: Initial 1003, Patriot Act Information Disclosure, Homeownership Counseling Organization List Disclosure and the Acknowledgement of Intent to Proceed. Per regulation, prior to receiving documents electronically the consumer(s) must consent.

Attached the e Consent(Uploaded to GS)

Rebuttal (XX/XX/XXXX 1:41PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:45PM)

25656578

21876842

83090649

1409907070

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656581

21878948

83138488

1410087367

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656581

21906340

83138488

1410087367

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656582

21875516

83141132

1410407977

368911

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Missing Closing Disclosure

Resolved

Compliance

Uploaded Final CDCD XX/XX/XXXX provided.

Rebuttal (XX/XX/XXXX 1:51PM)Rebuttal (XX/XX/XXXX 2:58PM)

The provided documentation is insufficient to cure the finding. Please provide all Closing Disclosures. All Loan Estimates and all Closing Disclosures are required for testing. (Upheld)The documentation provided is sufficient to cure the finding for missing CD's; however, because the loan closed under a trust, trust documents are required to ensure signatures are valid. (Upheld)The documentation provided is sufficient to cure the finding for missing CD's; however, because the loan closed under a trust, trust documents are required to ensure signatures are valid. (Upheld). XX/XX/XXXX: Trust documents are sufficient to clear the condition. (resolved)

Response (XX/XX/XXXX 1:55PM)Response (XX/XX/XXXX 3:21PM)Response (XX/XX/XXXX 11:28AM)

25656582

21877333

83141132

1410407977

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656585

21875844

83139456

1410043134

369007

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Gift Letter / Funds

Resolved

Credit

The Borrower received 3 gifts in the amount of $XXX, $XXX and $XXXX per the Gift Letters in the loan file; however, documentation of the gift funds transfer to the borrower is missing as required per AUS/DU.

Gift wire receipt to Title in the amount of $XXXX provided.

Rebuttal (XX/XX/XXXX 4:11PM)

Documentation provided is sufficient. Gift wire receipt to Title in the amount of $XXXX provided. Total verified assets are sufficient for total required assets. (Resolved)

Response (0X/XX/XXXX 4:12PM)

25656585

21876983

83139456

1410043134

368960

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656586

21872810

HB0073743

1410260896

369393

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The PCCD issued on XX/XX/XXXX does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)

25656586

21872811

HB0073743

1410260896

369427

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent company on the last revised PCCD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z)12 CFR 1026.38(r)(3), (5)

25656586

21872834

HB0073743

1410260896

369432

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

The PCCD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)

25656586

21877120

HB0073743

1410260896

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656588

21875332

NE0436431

1409872693

369379

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer received $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: C and E. The fees are subject to tolerance.

25656588

21875314

NE0436431

1409872693

368822

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

Attached Discl Tracking and initial Disclosure . (Uploaded to GS).

Rebuttal (XX/XX/XXXX 2:21PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 2:33PM)

25656588

21877429

NE0436431

1409872693

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656590

21897495

HB0071787

1409889867

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

The appraised value was supported within X% and all applicable appraisal guidelines were satisfied. The DU findings allowed for an Appraisal Waiver with an estimated value of $XXX. A retroactive XXX was ordered which supported a value of $XXXX, a X% variance.

25656590

21873307

HB0071787

1409889867

369393

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The PCCD issued on XX/XX/XXXX does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)

25656590

21876144

HB0071787

1409889867

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656591

21878359

NE0434980

1409072966

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656591

21876481

NE0434980

1409072966

368822

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

Attached Discl Tracking and initial Disclosure . (Uploaded to GS).

Rebuttal (XX/XX/XXXX 3:32PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 3:47PM)

25656591

21876398

NE0434980

1409072966

369432

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

The Final CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)

25656592

21877334

HB0074211

1410447414

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656593

21876321

HB0074204

1410505089

368960

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656593

21878435

HB0074204

1410505089

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25656594

21873385

HB0074214

1410396893

368960

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25656594

21876296

HB0074214

1410396893

369066

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25810532

21913886

NE0436637

1410909792

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

Retro XXXX ordered and returned a value of $XXXX with supports the OA value of $XXXX.

25810532

21902121

NE0436637

1410909792

370816

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Tax Returns Obtained

Resolved

Credit

Tax returns for the previous two (2) years were retained in the file; however, the returns are not signed and W2's are not attached, as required.

As of X/XX- In processTax Transcripts for 2016 and 2017 provided.

Rebuttal (XX/XX/XXXX 10:00AM)Rebuttal (XX/XX/XXXX 2:33PM)

Awaiting Seller documentation. (Upheld)Documentation provided is sufficient. (Resolved)

Response (XX/XX/XXXX 10:02AM)Response (XX/XX/XXXX 2:37PM)

25810532

21902147

NE0436637

1410909792

370781

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Income Docs

Resolved

Credit

The income/employment is not documented properly according to LP approval. Income must be supported by a YTD paystub documenting all YTD earnings and W-2's for the most recent calendar year or a written VOE documenting all YTD earning and earning for the most recent calendar year. The application indicates the Borrower is employed by the local studio Electrical Lighting Tech Union. The file is missing W-2's for XXXX and YTD earnings. The file contains a written VOE that indicates production ended on one project, effective XX/XX/XXXX. The subject loan closed XX/XX/XXXX. Income for the Borrower's employment could not be verified. Based on self employment, as verified in the XXXX tax returns, the DTI increased from XX% to XX%.

As of X/XX- In processIncome calculation explanation and TWN employment history provided.

Rebuttal (XX/XX/XXXX 10:01AM)Rebuttal (XX/XX/XXXX 2:38PM)

Awaiting Seller documentation. (Upheld)Income has been calculated for borrower as $XXX per month for base income, $XXX per month for overtime income and $XXX per month for self-employment income from tax returns. DTI slightly increased from XX% to XX% which is within resubmission tolerance and DTI max. (Resolved)

Response (XX/XX/XXXX 10:02AM)Response (XX/XX/XXXX 2:41PM)

25810532

21901544

NE0436637

1410909792

370626

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following:The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required.

Documentation provided

Rebuttal (XX/XX/XXXX 3:25PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 3:26PM)

25810532

21901550

NE0436637

1410909792

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Resolved

Compliance

Documentation provided

Rebuttal (XX/XX/XXXX 3:28PM)

The provided documentation is insufficient to cure the finding. Per regulation, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Please provide PCCD which corresponds with Settlement Statement dated XX/XX/XXXX (Upheld) PCCD provided is sufficient to clear the finding (Resolved)

Response (XX/XX/XXXX 10:45AM)

25810543

21901081

83080199

1404654317

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25810543

21901673

83080199

1404654317

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

25810544

21900969

83143960

1410882895

370746

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Contract

Acknowledged

Credit

The loan file submitted for review is missing an addendum to the Purchase Agreement for seller paid closing costs of $XXXX listed on the CD.

GS Acknowledged XX/XX/XXXX

25810544

21901140

83143960

1410882895

370637

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Revised CD - No Waiting Period

Resolved

Compliance

Previously uploadedDocumentation provided

Rebuttal (XX/XX/XXXX 12:32PM)Rebuttal (XX/XX/XXXX 1:40PM)

The provided documentation is insufficient to cure the finding. The disclosure tracking reflects the CD issued XX/XX/XXXX was sent to the borrower; however, there is no evidence of receipt. The CD is not a duplicate of the prior acknowledged CD issued XX/XX/XXXX. Per § 1026.19(f)(2)(i)) , Changes before consummation not requiring a new waitingperiod. Except as provided in paragraph (f)(2)(ii), if the disclosuresprovided under paragraph (f)(1)(i) of this section become inaccurate beforeconsummation, the creditor shall provide corrected disclosures reflecting anychanged terms to the consumer so that the consumer receives the correcteddisclosures at or before consummation. (Upheld)The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:02PM)Response (XX/XX/XXXX 1:40PM)

25810544

21901143

83143960

1410882895

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Resolved

Compliance

The file contains a Final/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer owed $XXXX. The fees appear to be in the following sections: C. E and H. The fees are not subject to tolerance.

XX/XX/XXXX - Received and uploaded PCCD to T-drive, PC, GS folder.

Rebuttal (XX/XX/XXXX 12:45PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 12:46PM)

25810544

21901149

83143960

1410882895

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

GS acknowledged XX/XX/XXXX

25810544

21901150

83143960

1410882895

370689

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- premiums Optional

Acknowledged

Compliance

The Home Warranty Fee on the CD issued on XX/XX/XXXX is not followed by the word 'Optional'. Items that disclose any premiums paid for separate insurance, warranty, guarantee, or event-coverage products not required by the creditor must include the parenthetical description '(Optional)' at the end of the label. Truth in Lending Act (Regulation Z)12 CFR 1026.38(g)(4)(ii); 12 CFR 1026.37(g)(4)(ii) & Official Comment 37(g)(4)-3

GS acknowledged XX/XX/XXXX

25810546

21900810

HB0075316

1410891477

369496

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Credit Report

Resolved

Credit

The loan file does not contain the credit report referenced on the AUS. The credit report in the loan file reflects increased debts; however, increase in DTI is less than X%. The credit score referenced on the AUS is XXX. The most recent credit score in the loan file is XXX. The credit report referenced on the AUS is dated XX/XX/XXXX, and expired prior to closing XX/XX/XXXX. The updated credit report is dated XX/XX/XXXX; however, the reference ID does not match the updated AUS and the score is lower.

DU Approval with Casefile ID XXXX provided.

Rebuttal (XX/XX/XXXX 11:31AM)

DU Approval dated XX/XX/XXXX submission number X with an Approve/Eligible decision was provided which is linked to origination credit report XXXX dated XX/XX/XXXX. Corrected credit score of XXX and corrected debts were input with link to credit report dated XX/XX/XXXX. (Resolved)

Response (XX/XX/XXXX 11:33AM)

25810546

21901484

HB0075316

1410891477

370714

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID Tolerance - Zero Tolerance Violation (No Valid COC)

Resolved

Compliance

The loan failed the charges that cannot increase test.A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: 2nd Appraisal. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv)A cost to cure in the amount of $XX is required.

Documentation provided

Rebuttal (XX/XX/XXXX 3:01PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 3:01PM)

25810547

21901145

HB0076147

1411026271

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25810547

21901694

HB0076147

1411026271

370496

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Missing HOC Disclosure

Acknowledged

Compliance

The file contains no evidence that the Home ownership Counseling Disclosure was provided to the consumer.

GS Acknowledged XX/XX/XXXX

25810547

21901639

HB0076147

1411026271

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Resolved

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed XX/XX/XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX after providing funds to close in the amount of $XXXX. The fees appear to be in the following sections: C and E. The fees are subject to tolerance.

Documentation provided.

Rebuttal (XX/XX/XXXX 1:15PM)

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:16PM)

25810548

21901343

NE0436474

1410515344

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25810548

21901399

NE0436474

1410515344

370626

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt is required.

X/XX-HB Initial CD dated XX/XX/XXXX along withDisclosure Tracking evidencing borrower receipt uploaded for GS/DR review.

Rebuttal (XX/XX/XXXX 12:40PM)

The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 12:53PM)

25810548

21901422

NE0436474

1410515344

370620

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - CD Incomplete / Inaccurate

Resolved

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Estimated Taxes, Insurance & Assessments under the Projected Payments. The box for “Other” was checked; however, the description of Other was not disclosed.

X/XX- HB Uploaded for GS/DR review.

Rebuttal (XX/XX/XXXX 12:42PM)

The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 12:53PM)

25810549

21902103

NE0436633

1410909108

370626

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt is required.

Documentation provided

Rebuttal (XX/XX/XXXX 2:55PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 2:56PM)

25810549

21902118

NE0436633

1410909108

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Resolved

Compliance

The file contains a certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX and a post consummation CD was not provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer received $XXXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The difference in fees appear to be in the following sections: E, F, H and payoffs. The changed fees are not subject to tolerance.

Documentation provided

Rebuttal (XX/XX/XXXX 2:57PM)

The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 2:59PM)

25810549

21902123

NE0436633

1410909108

370646

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/Disbursement Date

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z). 12 CFR 1026.38(a)(3)(iii)

Gs acknowledged XX/XX/XXXX

25810549

21902125

NE0436633

1410909108

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

GS Acknowledged XX/XX/XXXX

25810549

21901592

NE0436633

1410909108

370801

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Program Parameters

Resolved

Credit

Subject loan is an XX% limited cash out refinance paying off a 1st mortgage and HELOC. Per DU findings, if the subordinate lien being paid off was not used to acquire the subject property the loan is ineligible as a limited cash out refinance and must be resubmitted as a cash out refinance. The HELOC account was opened on XX/XX/XXXX. A new mortgage in the amount of $XXXXX was opened on XX/XX/XXXX and the HELOC account was then subordinated at the same time. Subject loan does not meet FNMA guidelines for a limited cash out refinance. In addition, the maximum LTV for a cash out refinance is X%.

RE mtg opened XX/XX Loan Depot for $XXX - falls in line with move in for borrower's current residence. Provided prop profile to support

Rebuttal (XX/XX/XXXX 7:45AM)

Property profile provided which verified that the subject was purchased on XX/XX/XXXX with a 1st mortgage line of $XXX with XXXX and a 2nd lien HELOC of $XXXX with XXXX Bank. Therefore, the 2nd lien is a purchase money HELOC. The 1st mortgage lien was refinanced to $XXX on XX/XX/XXXX with XXXX and the 2nd lien HELOC was subordinated. Subject transaction meets DU Approval requirements as HELOC is a purchase money. Documentation provided is sufficient. (Resolved)

Response (XX/XX/XXXX 8:03AM)

25810549

21901594

NE0436633

1410909108

370775

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Flood Cert

Resolved

Credit

The flood certificate was missing from the loan file.

Flood Cert provided.

Rebuttal (XX/XX/XXXX 1:58PM)

Documentation provided is sufficient. (Resolved)

Response (XX/XX/XXXX 1:59PM)

25810549

21909269

NE0436633

1410909108

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

The AUS allowed for an appraisal waiver based on value of $XXXX. A Retro XXXX returned a value of $XXXX which is within a X% variance.

25810550

21901065

NE0436748

1410781686

370829

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

VVOE required

Resolved

Credit

A VVOE is required within 10 days of Note date. No VVOE is in evidence in the file for the borrower's second job. The borrower was qualified with income from a second job with XXX. The file did not contain the VVOE within 10 days from this employer as required by guidelines. Noted, omitting this income results in a DTI increase from XX% to XX% which is within tolerance and maximum DTI allowed of X%.

VVOE for World Triathalon Corp provided.

Rebuttal (XX/XX/XXXX 3:19PM)Rebuttal (XX/XX/XXXX 3:24PM)

Documentation provided is sufficient. (Resolved)

Response (XX/XX/XXXX 3:26PM)

25810550

21902514

NE0436748

1410781686

370626

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.

X/XX- HB reuploaded for GS/DR Review

Rebuttal (XX/XX/XXXX 12:36PM)

The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 12:54PM)

25810550

21901548

NE0436748

1410781686

370452

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

HMDA - Government Monitoring

Acknowledged

Compliance

The Government Monitoring Section on the application was not completed for the Co-Borrower. Home Mortgage Disclosure Act (Regulation C)12 CFR 1003.4(b)Equal Credit Opportunity Act (Regulation B)12 CFR 1002.13

GS acknowledged XX/XX/XXXX

25810550

21901625

NE0436748

1410781686

370701

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID LE - Revised LE Delivery Date (prior to consummation)

Resolved

Compliance

The revised LE issued XX/XX/XXXX and XX/XX/XXXX provided in the loan file were illegible. As a result, testing for TILA Accuracy, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold and State Threshold could not be completed through the Compliance tool.

X/XX- HB reuploaded for GS/DR Review.Documentation provided

Rebuttal (XX/XX/XXXX 12:29PM)Rebuttal (XX/XX/XXXX 12:35PM)

The revised LE issued on XX/XX/XXXX and XX/XX/XXXX were not provided.The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 12:55PM)Response (XX/XX/XXXX 12:35PM)

25819868

21913667

83143332

1410471372

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR ordered and returned a value of $XXXX which supports the OA value of $XXXX with X% variance.

25819868

21902093

83143332

1410471372

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

GS Acknowledged XX/XX/XXXX

25819868

21901341

83143332

1410471372

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Resolved

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXX. The fees appear to be in the following sections: C, E, F, and payoffs. The fees in Section E are subject to tolerance but decreased.

Documentation provided

Rebuttal (XX/XX/XXXX 1:49PM)

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:51PM)

25819868

21901493

83143332

1410471372

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

25819869

21901259

83144933

1410749448

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

GS acknowledged XX/XX/XXXX

25819869

21901273

83144933

1410749448

370646

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/Disbursement Date

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii)

GS acknowledged XX/XX/XXXX

25819869

21901299

83144933

1410749448

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Resolved

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX . The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation (after providing funds to close in the amount of $XXX; however, per the ALTA statement, the consumer received $XXX. The fees appear to be in the following sections: C, E, F, H and L. The fees in section E are subject to tolerance but decreased.

The documentation provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 2:01PM)

25819869

21901141

83144933

1410749448

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines

25819869

21900254

83144933

1410749448

369372

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated' XX/XX/XXXX 'was mailed, and therefore not received by the consumer 3 business days prior to the consummation date,' XX/XX/XXXX . If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.

Disclosure Summary and tracker provided.Disclosure Summary and tracker provided. X/XX- HB- the Closing Disclosure was issued to the borrower on 1/29/19. AnotherCD was issued on 1/30/19 revising only the 1st payment due date (noredisclosure/waiting period triggered). The borrower's singed on 2/1/19. Fromthe actual issuance of the closing disclosure (1/29/19) which was issued to theborrower electronically to our closing date (2/1/19) the 3 day waiting periodwas met.Documentation provided.

Rebuttal (XX/XX/XXXX 5:15PM)Rebuttal (XX/XX/XXXX 12:57PM)Rebuttal (XX/XX/XXXX 4:52PM)

The Disclosure tracking detail provided reflects the CD was not acknowledged electronically and the three day mail rule applies. The initial CD was mailed on XX/XX/XXXX. The tracker reflects the Presumed Received Date is XX/XX/XXXX, which is one day after the subject closing of XX/XX/XXXX. (Upheld)A signed and dated initial CD must be provided in order to resolve this finding. (Upheld)The provided documentation is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 12:58PM)Response (XX/XX/XXXX 12:59PM)Response (XX/XX/XXXX 4:53PM)

26006413

21920705

83022733

1402527940

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006413

21927029

83022733

1402527940

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006413

21920529

83022733

1402527940

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26006414

21920876

83133142

1409365313

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006414

21920761

83133142

1409365313

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer owed $XXX after providing funds to close in the amount of $XXXX. The fees appear to be in the following sections: C, E and F. The fees are subject to tolerance.

26006414

21920715

83133142

1409365313

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

26006414

21927037

83133142

1409365313

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006415

21920855

83138579

1409926774

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26006415

21921042

83138579

1409926774

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006415

21927030

83138579

1409926774

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006417

21921040

83146242

141064977

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006417

21927036

83146242

141064977

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006417

21920567

83146242

141064977

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26006418

21920710

83147370

1411010053

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006418

21920862

83147370

1411010053

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

26006418

21927046

83147370

1411010053

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006419

21927041

83151734

1411206582

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006419

21920425

83151734

1411206582

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer received/owed $XXXX at consummation (after providing funds to close in the amount of $XXX; however, per the ALTA statement, the consumer owed/received $XXXX. The fees appear to be in the following sections: C, E and F. The fees are/are not subject to tolerance, but decreased.

26006419

21920934

83151734

1411206582

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006419

21920420

83151734

1411206582

370684

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Transaction Information/Seller Info

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the complete Seller address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii)

26006420

21927045

83143735

1410424704

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006420

21920893

83143735

1410424704

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006420

21920423

83143735

1410424704

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26006429

21927044

83123188

1411166871

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006429

21920870

83123188

1411166871

370646

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/Disbursement Date

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(iii)

26006429

21920880

83123188

1411166871

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD dated XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXX. The fees appear to be in the following sections: C. Services Borrower Did Shop For, E. Taxes and Other Government Fees, F. Prepaids, H. Other, and Proration/Adjustments. The fees in Section E are subject to tolerance, but decreased.

26006429

21920858

83123188

1411166871

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006430

21927049

83142818

1410916399

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006430

21921011

83142818

1410916399

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

26006430

21921013

83142818

1410916399

370647

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Settlement Agent File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)

26006430

21921007

83142818

1410916399

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXX at consummation; however, per the ALTA statement, the consumer received $XXX after providing funds to close in the amount of $XXXX. The fees appear to be in the following sections: C and E. The fees are subject to tolerance.

26006430

21921238

83142818

1410916399

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006431

21920899

83146287

1410986377

370814

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Subordination Agreement

Resolved

Credit

A HELOC with XXXXX is attached to the subject property with a zero balance. The loan file does not contain a HELOC closure letter signed by borrower.

Recorded Release of Mortgage Uploaded for GS/DR review

Rebuttal (XX/XX/XXXX 4:17PM)

Documentation received is sufficient. (Resolved)

Response (XX/XX/XXXX 4:18PM)

26006431

21920902

83146287

1410986377

370779

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Hazard Insurance

Resolved

Credit

Subject property is a Condo, loan file does not contain a Master Policy for XXXX.

Master Policy uploaded.

Rebuttal (XX/XX/XXXX 9:11AM)

Documentation received is sufficient. (Resolved)

Response (XX/XX/XXXX 9:12AM)

26006431

21920731

83146287

1410986377

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26006431

21927040

83146287

1410986377

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006432

21927051

83147353

1410960397

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006432

21920597

83147353

1410960397

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006432

21920673

83147353

1410960397

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

26006432

21920688

83147353

1410960397

370647

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The PCCD issued on XX/XX/XXXX does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)

26006433

21920962

83150170

1411003908

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006433

21920445

83150170

1411003908

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated, XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXX, at consummation (after providing funds to close in the amount of $XXX; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: C, E and F. The fees in section C and F are not subject to tolerance but fees in section E are and decreased.

26006433

21927028

83150170

1411003908

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006434

21920691

83151553

1411140789

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX . The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer received $XXX, at consummation; however, per the ALTA statement, the consumer received $XXX. The fees appear to be in the following sections: C, E, and payoffs) >. The fees in section E are subject to tolerance but fees in section in C and payoffs are not.

26006434

21921010

83151553

1411140789

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006434

21920722

83151553

1411140789

370563

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

RTC- same creditor (X) version required (3rd circuit, 7th circuit, and X)

Resolved

Compliance

The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (new advance of money with the same creditor). Model X was provided; however, because the property is located in XX , model X should have been used. Truth in Lending Act (Regulation Z)12 CFR 1026.23(b)(1)(v), (a)

Correct RTC executed, uploaded to GS for review.

Rebuttal (XX/XX/XXXX 11:14AM)

An updated RTC was provided and is sufficient to cure the exception. (Resolved)

Response (XX/XX/XXXX 11:15AM)

26006434

21927043

83151553

1411140789

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006435

21920966

83153936

1411286690

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006435

21920494

83153936

1411286690

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26006435

21926988

83153936

1411286690

370896

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value was not supported within X% of original appraisal amount

Resolved

Valuation

The loan closed with an appraisal waiver thru DU with an estimated value of $XXXX. A retroactive XXXX appraisal was ordered and returned a value of $XXXX, which is a variance of XX%.

DU Approval submission number 8 dated XX/XX/XXXX with Casefile ID 1397698989 provided.

Rebuttal (XX/XX/XXXX 3:54PM)

Documentation provided is sufficient. DU Approval received Approve/Eligible recommendation after utilizing verified value of $XXXX which resulted in an LTV of XX%. (Resolved)

Response (XX/XX/XXXX 3:55PM)

26006437

21920808

HB0076272

1202834387

370647

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The PCCD issued on XX/XX/XXXX does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)

26006437

21921370

HB0076272

1202834387

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006437

21927038

HB0076272

1202834387

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006438

21921079

HB0076938

1411382744

370466

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Late HOC Disclosure

Acknowledged

Compliance

The Homeownership Counseling Disclosure provided in the loan file was not disclosed within 3 days of the application date.

26006438

21921080

HB0076938

1411382744

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXX at consummation; however, per the ALTA statement, the consumer received $XXX after providing funds to close in the amount of $XXX. The fees appear to be in the following sections: C and E. The fees are subject to tolerance.

26006438

21927027

HB0076938

1411382744

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006438

21920837

HB0076938

1411382744

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26006441

21927047

83150465

1411086003

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26006441

21920474

83150465

1411086003

370647

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/File number Info

Acknowledged

Compliance

The CD issued on XX/XX/XXXX, does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)

26006441

21921084

83150465

1411086003

370782

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Income Miscalc

Acknowledged

Credit

The income is miscalculated resulting in a DTI exceeding the allowable X% increase for DU. The lender miscalculated income on X of the Borrower's X rental properties by using line 19 (other) of Schedule E for Total Expenses which are found on Line 20 of Schedule E, resulting in a decrease of rental income from $XXX to $XXX. The DTI increased from XX% to XX%.

26467754

21937975

83064826

3403600010

370865

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Appraisal was completed subject-to with no completion cert.

Resolved

Valuation

The appraisal provided was made subject-to completion and/or repairs with no completion certification provided. Without this certification, Auditor was unable to verify if property was completed and/or repairs made. The appraisal was completed subject to completion. The XXX in file reflected the property had not declined in value; however, did not indicate whether or not the subject was complete.

Completion Certificate provided.

Rebuttal (XX/XX/XXXX 3:40PM)

Documentation provided is sufficient. (Resolved)

Response (XX/XX/XXXX 3:41PM)

26467754

21937451

83064826

3403600010

370626

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required.

Documentation provided

Rebuttal (XX/XX/XXXX 1:13PM)

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:18PM)

26467754

21941274

83064826

3403600010

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26467754

21937834

83064826

3403600010

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26467754

21937534

83064826

3403600010

370649

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Incorrect Section

Acknowledged

Compliance

The HOA Dues and Land Survey were included in Section C of the CD issued on XX/XX/XXXX. However, the fees should have been entered under Section H. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

No A/L or outside SOL

Rebuttal (XX/XX/XXXX 10:19AM)

26467762

21941251

83150949

1412015081

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported a value of $XXXX which is a XX% variance from original appraised value of $XXX.

26467762

21937765

83150949

1412015081

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26467762

21937280

83150949

1412015081

370622

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Disclosures E-consent Missing

Resolved

Compliance

The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. Truth in Lending Act (Regulation Z)12 CFR 1026.37(o)(3)(iii) E-SIGN Act15 U.S.C. '7001(c)

Documentation provided

Rebuttal (XX/XX/XXXX 1:28PM)

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:33PM)

26467762

21937282

83150949

1412015081

370626

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Initial CD Delivery Date (prior to consummation)

Resolved

Compliance

This loan failed the Initial Closing Disclosure delivery date test for disclosure dated XX/XX/XXXX. Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with ' 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act).

Documentation provided

Rebuttal (XX/XX/XXXX 1:30PM)

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:33PM)

26467762

21937285

83150949

1412015081

370681

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD - Settlement Agent License

Acknowledged

Compliance

The license number is missing for the Settlement Agent company's Individual Contact on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

No A/L or outside SOL

Rebuttal (XX/XX/XXXX 10:47AM)

26467762

21937306

83150949

1412015081

370638

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Revised LE Delivery Date (after issue of CD)

Resolved

Compliance

This loan failed the revised LE delivery date test for disclosures dated XX/XX/XXXX. Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act).

Documentation provided

Rebuttal (XX/XX/XXXX 1:31PM)

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:34PM)

26467762

21937311

83150949

1412015081

370637

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Revised CD - No Waiting Period

Resolved

Compliance

This loan failed the revised CD delivery date test for disclosure dated XX/XX/XXXX. Although evidence was provided showing the consumer received the emailed disclosures, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act).

Documentation provided

Rebuttal (XX/XX/XXXX 1:32PM)

The documentation/information provided is sufficient to cure the finding. (Resolved)

Response (XX/XX/XXXX 1:35PM)

26467762

21937415

83150949

1412015081

370633

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Post-Consummation CD delivery date Borrower paid amount

Acknowledged

Compliance

The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per § 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: C, E, and payoffs. The fees in section E are subject to tolerance but decreased on the ALTA Statement.

No A/L or outside SOL

Rebuttal (XX/XX/XXXX 10:49AM)

26467763

21941267

83151275

1411083491

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26467763

21937842

83151275

1411083491

370735

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

AUS Final Approval mismatch

Resolved

Credit

The AUS final approval data does not match the 1003/1008 and/or file documents. The rate on the final DU Approval and the 1008 is XX% and the rate on the Note and final 1003 is XX%.

DU Approval dated XX/XX/XXXX submission 4 provided.

Rebuttal (XX/XX/XXXX 4:15PM)

DU Approval with correct Note Rate provided. (Resolved)

Response (XX/XX/XXXX 4:16PM)

26467763

21937432

83151275

1411083491

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26467765

21937646

83156562

1000215970

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26467765

21937492

83156562

1000215970

370629

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID - Lender Credits That Cannot Decrease

Void

Compliance

This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) ) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($X) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X). The lender credit decreased on CD issued on XX/XX/XXXX without a valid change of circumstance. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XX is required.

Lender Credit decrease was not in violation.

Response (XX/XX/XXXX 4:49PM)

26467765

21937496

83156562

1000215970

370452

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

HMDA - Government Monitoring

Acknowledged

Compliance

The Government Monitoring Section on the application was not completed. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13. The ethnicity and race sections were not completed for the borrower and co-borrower.

No A/L or outside SOL

Rebuttal (XX/XX/XXXX 10:52AM)

26467765

21941260

83156562

1000215970

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26467768

21937261

83157005

1411567948

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.

26467768

21937599

83157005

1411567948

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26467768

21941271

83157005

1411567948

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26467771

21941262

83158425

1411586179

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26467771

21937643

83158425

1411586179

370829

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

VVOE required

Resolved

Credit

The Co-Borrower was self-employed. The loan file does not contain Third Party confirmation of self-employment for the Co-Borrower dated within 120 days of the Note date.

Ok to accept. Seller is unable to get VVOE. Borrower is a bookkeeper and DRIVE report supports X years of S/E history. XXX bank statement supports current deposits listed for bookkeeping services so comfortable income is continuing. Comp Factors: FICO, Reserves. (Resolved)

Response (XX/XX/XXXX 2:34PM)

26467771

21937335

83158425

1411586179

370537

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

QM - DTI

Resolved

Compliance

DTI ( 12 CFR §1026.43(e)(2)(vi) ) This loan has a qualified mortgage DTI of XX%. A qualified mortgage is a covered transaction for which, among other requirements, the ratio of the consumer's total monthly debt to total monthly income at the time of consummation does not exceed XX percent, calculated in accordance with Appendix Q.

Documentation has been uploaded.

Rebuttal (XX/XX/XXXX 11:18AM)

The documentation provided is sufficient to clear the finding. (Resolved)

Response (XX/XX/XXXX 11:40AM)

26467772

21937476

83159845

1411758473

370646

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/Disbursement Date

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii)

No A/L or outside SOL

Rebuttal (XX/XX/XXXX 11:09AM)

26467772

21937598

83159845

1411758473

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines

26467772

21941264

83159845

1411758473

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

ARR supported the OA value with a X% variance.

26467756

21937448

83134150

1409557895

370686

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD- Closing Information/Closing Date

Acknowledged

Compliance

No A/L or outside SOL

Rebuttal (XX/XX/XXXX 10:35AM)

26467756

21937455

83134150

1409557895

370646

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

TRID CD ' Closing Information/Disbursement Date

Acknowledged

Compliance

The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(iii)

No A/L or outside SOL

Rebuttal (XX/XX/XXXX 10:38AM)

26467756

21937575

83134150

1409557895

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26467756

21941278

83134150

1409557895

370896

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value was not supported within X% of original appraisal amount

Resolved

Valuation

ARR returned an inconclusive value. Original appraised value is $XXXX and Retro Appraisal dated XX/XX/XXXX verified a value of $XXX with a XX% variance. It should be noted that the subject LTV was XX% and LTV with Retro Appraisal value is XX%.

DU Approve/Eligible with Casefile ID XXXX ran on XX/XX/XXXX with value from Retro Appraisal provided.

Rebuttal (XX/XX/XXXX 8:24AM)

Documentation provided is sufficient. (Resolved)

Response (XX/XX/XXXX 8:25AM)

26467764

21937672

83155915

1411480121

370819

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan meets all applicable credit guidelines

Cleared

Credit

The loan meets all applicable credit guidelines.

26467764

21942811

83155915

1411480121

370895

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

Value is supported within X% of original appraisal amount

Cleared

Valuation

The appraised value was supported within X% and all applicable appraisal guidelines were satisfied. Loan was delivered with X for Appraisal Waiver. X Appraisal Report dated XX/XX/XXXX was obtained and verified a value of $XXXX which supported the original appraised value of $XXX with a XX% variance.

26467764

21952159

83155915

1411480121

370609

XXXXXX

XX/XX/XXXX

$XXXXXXX

XXXXXX

XX/XX/XXXX

XXXXXX

The loan is in compliance with all applicable laws and regulations

Cleared

Compliance

The loan is in compliance with all applicable laws and regulations.