EX-99.1 13 efc19-522_ex991s5a.htm SCHEDULE 5(A) - COMPLIANCE REVIEW
Unique ID Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Category Exception Subcategory Exception Type Exception Status Status Change Date Exception Grade Loan Exception ID Exception Exception Detail Exception Information Compensating Factors Seller Comments Buyer Comments Reviewer Comments Exception Remediation
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11915849 Missing Document: Missing Final 1003             Provide missing documentation
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11916698 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11916708 Initial Rate Lock rate date is not documented in file.              
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11916866 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11916868 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11916869 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11945532 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945533 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355044 Refinance Cash-out - Other Primary 3/XX/2003 NC $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12030281 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11916517 Missing Document: Missing Final 1003             Provide missing documentation
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11916823 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11916838 Initial Rate Lock rate date is not documented in file.              
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11916841 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11916941 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11916943 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11916944 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944931 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11944932 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1352654 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944933 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11915993 Missing Document: Missing Final 1003   1003 missing from the file         Provide missing documentation
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11946116 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11946201 Initial Rate Lock rate date is not documented in file.              
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11946248 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946253 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946255 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946257 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946259 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11956315 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11956318 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354958 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   3 12022744 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11917166 Missing Document: Missing Final 1003             Provide missing documentation
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11917374 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11917375 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   3 11917377 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11917378 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11917379 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11917380 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11917381 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11917382 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Miscellaneous Compliance Compliance Open   2 11917517 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11917519 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11917531 Initial Rate Lock rate date is not documented in file.              
1350388 UTD UTD UTD 12/XX/2007 NC $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11945211 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11917036 Missing Document: Missing Final 1003             Provide missing documentation
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11917229 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11917267 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11917281 Initial Rate Lock rate date is not documented in file.              
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11918262 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11918266 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12030212 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1354426 UTD UTD Primary 9/XX/2006 NC $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048164 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11917428 Missing Document: Missing Final 1003             Provide missing documentation
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922700 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11922757 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11922794 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923095 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923097 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923099 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923188 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11945805 Initial Rate Lock rate date is not documented in file.              
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945817 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12038119 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352764 Refinance Cash-out - Other Primary 6/XX/2007 NC $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12038120 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936985 Missing Document: Missing Final 1003             Provide missing documentation
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11947938 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11947940 Initial Rate Lock rate date is not documented in file.              
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948000 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948006 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948009 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11981402 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11981415 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350636 Refinance Cash-out - Other Primary 6/XX/2001 AZ $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12038376 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2000.           Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11918834 Missing Document: Missing Final 1003             Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11919163 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11919427 Initial Rate Lock rate date is not documented in file.              
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11919662 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11919663 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11919664 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   3 11919665 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11919666 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11919667 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11919668 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351601 Refinance UTD Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11919670 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11919837 Missing Document: Missing Final 1003             Provide missing documentation
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11920560 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11920587 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11920594 Initial Rate Lock rate date is not documented in file.              
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11920884 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11920886 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11920887 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   3 11947403 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1353163 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 AZ $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12038769 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11920002 Missing Document: Missing Final 1003             Provide missing documentation
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11920337 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11920637 Initial Rate Lock rate date is not documented in file.              
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11920720 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11920723 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948377 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948384 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11948389 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12038843 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1355547 Refinance UTD UTD 7/XX/2007 AZ $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12038844 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355060 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11920656 Missing Document: Missing Final 1003             Provide missing documentation
1355060 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921469 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1355060 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921472 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355060 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921538 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355060 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11921804 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355060 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11921810 Initial Rate Lock rate date is not documented in file.              
1355060 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11921844 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11920195 Missing Document: Missing Final 1003             Provide missing documentation
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921437 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921438 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921440 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921441 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921442 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11921529 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11921541 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11921586 Initial Rate Lock rate date is not documented in file.              
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948244 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036494 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036495 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354329 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036496 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11920704 Missing Document: Missing Final 1003             Provide missing documentation
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921381 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921383 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11921386 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11921393 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11921407 Initial Rate Lock rate date is not documented in file.              
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11948672 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948673 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350597 Refinance Cash-out - Other Primary 6/XX/2005 NV $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12039029 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11921679 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11922342 Initial Rate Lock rate date is not documented in file.              
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11922365 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11923263 Missing Document: Missing Final 1003             Provide missing documentation
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923525 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923526 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923527 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923528 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923529 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923530 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   3 11923531 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923532 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923534 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923535 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355226 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923537 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355325 Refinance Cash-out - Other Primary 8/XX/2006 NV $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11920574 Missing Document: Missing Final 1003             Provide missing documentation
1355325 Refinance Cash-out - Other Primary 8/XX/2006 NV $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11921118 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355325 Refinance Cash-out - Other Primary 8/XX/2006 NV $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11921120 Initial Rate Lock rate date is not documented in file.              
1355325 Refinance Cash-out - Other Primary 8/XX/2006 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921280 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355325 Refinance Cash-out - Other Primary 8/XX/2006 NV $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11921413 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355325 Refinance Cash-out - Other Primary 8/XX/2006 NV $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948795 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355325 Refinance Cash-out - Other Primary 8/XX/2006 NV $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12039082 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11922014 Missing Document: Missing Final 1003             Provide missing documentation
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922197 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922200 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922203 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Miscellaneous Compliance Compliance Open   2 11922242 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11922247 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11922254 Initial Rate Lock rate date is not documented in file.              
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11949209 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949643 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353973 UTD UTD UTD 5/XX/2005 WA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12039181 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11921599 Missing Document: Missing Final 1003             Provide missing documentation
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11922297 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Appraisal not provided.          
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11922307 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11922315 Initial Rate Lock rate date is not documented in file.              
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922566 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922567 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922568 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922569 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922570 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350740 Refinance Cash-out - Other Primary 9/XX/2005 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11922571 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353970 Refinance Cash-out - Other Primary 9/XX/2006 WA $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11923148 Missing Document: Missing Final 1003             Provide missing documentation
1353970 Refinance Cash-out - Other Primary 9/XX/2006 WA $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11923457 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353970 Refinance Cash-out - Other Primary 9/XX/2006 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923459 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353970 Refinance Cash-out - Other Primary 9/XX/2006 WA $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11923463 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353970 Refinance Cash-out - Other Primary 9/XX/2006 WA $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11923467 Initial Rate Lock rate date is not documented in file.              
1353970 Refinance Cash-out - Other Primary 9/XX/2006 WA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949761 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353970 Refinance Cash-out - Other Primary 9/XX/2006 WA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12039367 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11923026 Missing Document: Missing Final 1003             Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11923371 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11923378 Initial Rate Lock rate date is not documented in file.              
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923513 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923515 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923516 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923517 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11923518 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   3 12022749 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040142 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1352868 Refinance Cash-out - Other Primary 12/XX/2007 WA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040144 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11923934 Missing Document: Missing Final 1003             Provide missing documentation
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11924380 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11924414 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11924446 Initial Rate Lock rate date is not documented in file.              
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11924529 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11924534 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11924972 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11924977 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11924978 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040170 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040171 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353598 Refinance Cash-out - Other Primary 1/XX/2008 WA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040172 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11924545 Missing Document: Missing Final 1003             Provide missing documentation
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11924578 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11924587 Final Title Policy is missing. No evidence of title in file.   File does not contain either the Final or the Preliminary Title Policy         Provide missing documentation
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11924591 Initial Rate Lock rate date is not documented in file.              
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11924665 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11924667 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11951758 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11951811 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11951812 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355317 Refinance Cash-out - Other Primary 11/XX/2004 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040395 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11925034 Missing Document: Missing Final 1003             Provide missing documentation
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11925457 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11925463 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11925464 Initial Rate Lock rate date is not documented in file.              
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925466 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925468 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11951956 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11951957 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355359 Refinance Cash-out - Other Primary 12/XX/2004 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040444 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925196 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   3 11925198 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925199 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925200 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925201 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925202 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11925231 Missing Document: Missing Final 1003             Provide missing documentation
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11925243 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11925330 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350779 UTD UTD Primary 12/XX/2004 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11925331 Initial Rate Lock rate date is not documented in file.              
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11924497 Missing Document: Missing Final 1003             Provide missing documentation
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11925015 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Miscellaneous Compliance Compliance Open   2 11925025 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11925026 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11925039 Initial Rate Lock rate date is not documented in file.              
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925481 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925482 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   3 11925483 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925484 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925485 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925486 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925487 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351312 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925488 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11924348 Missing Document: Missing Final 1003             Provide missing documentation
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11925695 Initial Rate Lock rate date is not documented in file.              
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11925712 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11925714 Initial Rate Lock rate date is not documented in file.              
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925864 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925869 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925873 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11952217 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11952218 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350117 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11952240 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11942938 Missing Document: Missing Final 1003             Provide missing documentation
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11943110 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11943111 Initial Rate Lock rate date is not documented in file.              
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943374 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943380 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943382 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11956672 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   3 12051159 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1352630 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12051160 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352395 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11924798 Missing Document: Missing Final 1003             Provide missing documentation
1352395 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11924905 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352395 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11924941 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352395 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11924948 Initial Rate Lock rate date is not documented in file.              
1352395 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925206 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352395 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11925208 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352395 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040825 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1353363 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11927840 Missing Document: Missing Final 1003             Provide missing documentation
1353363 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11927856 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353363 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11927861 Final Title Policy is missing. No evidence of title in file.   File does not contain either the Final or Preliminary Title Policy         Provide missing documentation
1353363 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11927863 Initial Rate Lock rate date is not documented in file.              
1353363 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927886 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353363 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11952405 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353363 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12041122 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1353229 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11925682 Missing Document: Missing Final 1003             Provide missing documentation
1353229 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11926058 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353229 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11926139 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353229 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11926150 Initial Rate Lock rate date is not documented in file.              
1353229 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11926270 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353229 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11926274 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353229 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12041786 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1351583 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11927241 Missing Document: Missing Final 1003             Provide missing documentation
1351583 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11927608 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351583 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11927625 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351583 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11927626 Initial Rate Lock rate date is not documented in file.              
1351583 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927637 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1351583 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927638 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11927274 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11927302 Missing Document: Missing Final 1003             Provide missing documentation
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11927379 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11927381 Initial Rate Lock rate date is not documented in file.              
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927388 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927389 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042027 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1350355 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044250 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355355 UTD UTD Primary 6/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11927669 Missing Document: Missing Final 1003             Provide missing documentation
1355355 UTD UTD Primary 6/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11927804 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355355 UTD UTD Primary 6/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11927813 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355355 UTD UTD Primary 6/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11927815 Initial Rate Lock rate date is not documented in file.              
1355355 UTD UTD Primary 6/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927830 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355355 UTD UTD Primary 6/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042113 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1355355 UTD UTD Primary 6/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044285 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350131 Refinance Cash-out - Other Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927736 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350131 Refinance Cash-out - Other Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11927739 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350131 Refinance Cash-out - Other Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11927758 Missing Document: Missing Final 1003             Provide missing documentation
1350131 Refinance Cash-out - Other Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11927760 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350131 Refinance Cash-out - Other Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11927761 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350131 Refinance Cash-out - Other Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11927774 Initial Rate Lock rate date is not documented in file.              
1350131 Refinance Cash-out - Other Primary 7/XX/2006 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953452 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1350515 UTD UTD Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11927972 Missing Document: Missing Final 1003             Provide missing documentation
1350515 UTD UTD Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928025 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350515 UTD UTD Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928027 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350515 UTD UTD Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928037 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350515 UTD UTD Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928042 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350515 UTD UTD Primary 7/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928047 Initial Rate Lock rate date is not documented in file.              
1350515 UTD UTD Primary 7/XX/2006 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953428 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928216 Missing Document: Missing Final 1003             Provide missing documentation
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928258 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928269 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928270 Initial Rate Lock rate date is not documented in file.              
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928296 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928297 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042669 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1354833 Refinance Cash-out - Other Primary 9/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044491 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928314 Missing Document: Missing Final 1003             Provide missing documentation
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928386 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928391 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928394 Initial Rate Lock rate date is not documented in file.              
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928421 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953696 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042863 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350102 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044561 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351975 Refinance UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928382 Missing Document: Missing Final 1003             Provide missing documentation
1351975 Refinance UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928424 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351975 Refinance UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928426 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351975 Refinance UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928431 Initial Rate Lock rate date is not documented in file.              
1351975 Refinance UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928466 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351975 Refinance UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928467 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1351975 Refinance UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928468 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350878 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928683 Missing Document: Missing Final 1003             Provide missing documentation
1350878 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928770 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350878 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928773 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350878 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928789 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350878 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928791 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350878 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928792 Initial Rate Lock rate date is not documented in file.              
1350878 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953956 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353251 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928544 Missing Document: Missing Final 1003             Provide missing documentation
1353251 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928589 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353251 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928621 Initial Rate Lock rate date is not documented in file.              
1353251 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928628 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353251 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928630 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353251 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042984 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353251 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044644 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354840 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928569 Missing Document: Missing Final 1003             Provide missing documentation
1354840 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928656 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354840 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928660 Initial Rate Lock rate date is not documented in file.              
1354840 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928664 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354840 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928673 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354840 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928674 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1354840 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928675 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928577 Missing Document: Missing Final 1003             Provide missing documentation
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928592 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928595 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928596 Initial Rate Lock rate date is not documented in file.              
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928612 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928614 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043056 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1351408 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044698 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353511 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928726 Missing Document: Missing Final 1003             Provide missing documentation
1353511 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928756 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353511 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928757 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353511 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928758 Initial Rate Lock rate date is not documented in file.              
1353511 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928780 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353511 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043216 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1353511 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044795 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928846 Missing Document: Missing Final 1003             Provide missing documentation
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928876 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928879 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928881 Initial Rate Lock rate date is not documented in file.              
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11928887 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954285 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043271 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1354383 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044852 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928900 Missing Document: Missing Final 1003             Provide missing documentation
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11929058 Final Title Policy is missing. No evidence of title in file.   Preliminary & Final Title are missing.         Provide missing documentation
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11929059 Initial Rate Lock rate date is not documented in file.   Rate Lock is missing          
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11929088 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11929093 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11929106 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11929109 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954414 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036340 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1352953 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036341 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352649 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Loan Package Documentation Application / Processing Credit Open   2 11928936 Missing Document: Missing Final 1003             Provide missing documentation
1352649 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11928963 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352649 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11928980 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352649 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Credit General Credit Open   3 11928984 Initial Rate Lock rate date is not documented in file.              
1352649 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11929046 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352649 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 05/17/2019 Compliance Federal Compliance Compliance Open   2 11929048 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352649 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954492 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Loan Package Documentation Application / Processing Credit Open   2 11929724 Missing Document: Missing Final 1003             Provide missing documentation
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11929756 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11929763 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Credit General Credit Open   3 11929764 Initial Rate Lock rate date is not documented in file.              
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11929775 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11929779 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11929782 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11929783 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352619 UTD UTD Primary 3/XX/2007 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12041059 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1352895 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Loan Package Documentation Application / Processing Credit Open   2 11929925 Missing Document: Missing Final 1003             Provide missing documentation
1352895 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11930162 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352895 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11930165 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352895 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11930166 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352895 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11930167 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352895 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Credit General Credit Open   3 11930168 Initial Rate Lock rate date is not documented in file.              
1352895 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954650 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Loan Package Documentation Application / Processing Credit Open   2 11930978 Missing Document: Missing Final 1003             Provide missing documentation
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11930986 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11930988 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Credit General Credit Open   3 11930990 Initial Rate Lock rate date is not documented in file.              
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931023 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931025 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931028 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955200 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1353550 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955201 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Loan Package Documentation Application / Processing Credit Open   2 11931274 Missing Document: Missing Final 1003             Provide missing documentation
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11931290 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11931297 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Credit General Credit Open   3 11931300 Initial Rate Lock rate date is not documented in file.              
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931305 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931306 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931310 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931312 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931313 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955283 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955284 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350698 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955285 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Loan Package Documentation Application / Processing Credit Open   2 11931688 Missing Document: Missing Final 1003             Provide missing documentation
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11931692 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11931704 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Credit General Credit Open   3 11931709 Initial Rate Lock rate date is not documented in file.              
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931711 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931712 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955362 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12041923 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1355266 Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12041924 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Loan Package Documentation Application / Processing Credit Open   2 11972176 Missing Document: Missing Final 1003             Provide missing documentation
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11972366 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Credit General Credit Open   3 11972373 Initial Rate Lock rate date is not documented in file.              
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11972379 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Compliance Miscellaneous Compliance Compliance Open   2 11972382 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11972500 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11972503 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11972505 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352376 UTD UTD UTD 11/XX/2007 FL $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11980878 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Loan Package Documentation Application / Processing Credit Open   2 11931543 Missing Document: Missing Final 1003             Provide missing documentation
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11931607 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11931610 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Credit General Credit Open   3 11931611 Initial Rate Lock rate date is not documented in file.              
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931654 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931659 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931669 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955475 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1350940 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11955477 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Loan Package Documentation Application / Processing Credit Open   2 11931742 Missing Document: Missing Final 1003             Provide missing documentation
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11931751 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11931754 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Credit General Credit Open   3 11931755 Initial Rate Lock rate date is not documented in file.              
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931780 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931785 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931786 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/18/2019 Compliance Federal Compliance Compliance Open   2 11931799 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042101 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1353044 UTD UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042103 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/21/2019 Loan Package Documentation Application / Processing Credit Open   2 11957493 Missing Document: Missing Final 1003             Provide missing documentation
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11957760 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11957776 Initial Rate Lock rate date is not documented in file.              
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11962550 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1994.           Provide missing documentation
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11962551 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11962552 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11981091 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11981271 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355277 Refinance Cash-out - Other Primary 4/XX/1995 OH $XXX Loan Review Complete 05/22/2019 Compliance State Compliance Compliance Open   2 11981272 Ohio Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11934660 Missing Document: Missing Final 1003             Provide missing documentation
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11934700 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11934702 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11934703 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11934705 Initial Rate Lock rate date is not documented in file.              
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11934718 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11934719 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11934721 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11934723 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11934725 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11934726 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351696 Refinance Cash-out - Other UTD 4/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042533 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11935174 Missing Document: Missing Final 1003             Provide missing documentation
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935221 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935223 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935224 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11935268 Initial Rate Lock rate date is not documented in file.              
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11956477 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance State Compliance Compliance Open   2 11956626 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354627 Refinance UTD Primary 5/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042720 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11934953 Missing Document: Missing Final 1003             Provide missing documentation
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11935066 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11935069 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11935077 Initial Rate Lock rate date is not documented in file.              
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935091 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935092 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935097 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935099 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935100 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11956911 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11956912 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352749 Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12042816 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11935160 Missing Document: Missing Final 1003             Provide missing documentation
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11935349 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11935358 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11935359 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11935361 Initial Rate Lock rate date is not documented in file.              
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935432 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935435 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935436 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352829 Refinance Cash-out - Other UTD 5/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957208 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936751 Missing Document: Missing Final 1003             Provide missing documentation
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11936814 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11936859 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11936922 Initial Rate Lock rate date is not documented in file.              
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937214 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937221 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937225 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937226 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937227 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937228 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043034 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1354977 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043035 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11935570 Missing Document: Missing Final 1003             Provide missing documentation
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935608 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935610 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935612 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11935649 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11935656 Initial Rate Lock rate date is not documented in file.              
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11957144 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350904 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043101 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11935936 Missing Document: Missing Final 1003             Provide missing documentation
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11936159 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11936188 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11936190 Initial Rate Lock rate date is not documented in file.              
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11936215 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11936223 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11936225 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957802 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Miscellaneous Compliance Compliance Open   2 11957893 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350811 UTD UTD UTD 9/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043138 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11935521 Missing Document: Missing Final 1003             Provide missing documentation
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11937059 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937135 Initial Rate Lock rate date is not documented in file.              
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937156 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937258 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937260 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937319 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350528 Refinance Cash-out - Other Primary 11/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958295 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936864 Missing Document: Missing Final 1003             Provide missing documentation
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11937418 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937568 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937571 Initial Rate Lock rate date is not documented in file.              
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937757 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957663 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance State Compliance Compliance Open   2 11957665 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350136 UTD UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043497 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936982 Missing Document: Missing Final 1003             Provide missing documentation
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937311 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937313 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937314 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937388 Initial Rate Lock rate date is not documented in file.              
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937391 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11937396 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957766 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354176 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043715 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11935591 Missing Document: Missing Final 1003             Provide missing documentation
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11935816 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11935828 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11935831 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11935837 Initial Rate Lock rate date is not documented in file.              
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935869 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935870 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935874 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935876 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11935877 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353164 Refinance UTD UTD 12/XX/2004 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958037 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936495 Missing Document: Missing Final 1003             Provide missing documentation
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11936856 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11936865 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11936909 Initial Rate Lock rate date is not documented in file.              
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11936947 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11936950 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044625 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
1350866 Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044627 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936483 Missing Document: Missing Final 1003             Provide missing documentation
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11936916 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11936931 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11936953 Initial Rate Lock rate date is not documented in file.              
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937149 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937153 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937155 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350816 Refinance UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958448 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Closing / Title Credit Open   3 11937185 Missing Document: Security Instrument not provided             Provide missing documentation
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11937187 Missing Document: Missing Final 1003             Provide missing documentation
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937604 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937605 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937606 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11937695 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937704 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350606 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937705 Initial Rate Lock rate date is not documented in file.              
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936910 Missing Document: Missing Final 1003             Provide missing documentation
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11937018 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937024 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937025 Initial Rate Lock rate date is not documented in file.              
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937301 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937302 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937304 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937305 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958734 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/21/2019 Compliance Miscellaneous Compliance Compliance Open   2 11958828 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350466 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12045101 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936984 Missing Document: Missing Final 1003             Provide missing documentation
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937080 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937085 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937088 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937091 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11937188 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937192 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937196 Initial Rate Lock rate date is not documented in file.              
1355094 UTD UTD UTD 10/XX/2005 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958987 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1353813 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11936750 Missing Document: Missing Final 1003             Provide missing documentation
1353813 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11937029 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353813 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937038 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353813 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937041 Initial Rate Lock rate date is not documented in file.              
1353813 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937117 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353813 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937120 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353813 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11959114 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11937394 Missing Document: Missing Final 1003             Provide missing documentation
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11937636 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   .          
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11937656 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11937662 Initial Rate Lock rate date is not documented in file.              
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937746 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11937748 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937749 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352379 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12045343 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11937401 Missing Document: Missing Final 1003             Provide missing documentation
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11937984 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11937985 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938023 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938032 Initial Rate Lock rate date is not documented in file.              
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11959421 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Miscellaneous Compliance Compliance Open   2 11959593 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11959647 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351569 Refinance UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12045440 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11937828 Missing Document: Missing Final 1003             Provide missing documentation
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938082 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938127 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938130 Initial Rate Lock rate date is not documented in file.              
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938325 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938327 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938328 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354792 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938634 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11937445 Missing Document: Missing Final 1003             Provide missing documentation
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948517 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11948518 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948560 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948565 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948567 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948578 Initial Rate Lock rate date is not documented in file.              
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11981490 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/22/2019 Compliance State Compliance Compliance Open   2 11981656 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   3 12022755 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1350188 UTD UTD UTD 2/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12045510 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11937977 Missing Document: Missing Final 1003             Provide missing documentation
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938090 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938092 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11938093 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938094 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938227 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938285 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938290 Initial Rate Lock rate date is not documented in file.              
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11959542 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350062 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11959830 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938794 Missing Document: Missing Final 1003             Provide missing documentation
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938996 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11939034 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939035 Initial Rate Lock rate date is not documented in file.              
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939224 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939232 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939235 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939237 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11960019 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352290 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12045604 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1353597 Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938010 Missing Document: Missing Final 1003             Provide missing documentation
1353597 Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938588 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353597 Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938606 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353597 Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938628 Initial Rate Lock rate date is not documented in file.              
1353597 Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938717 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353597 Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938718 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353597 Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938719 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11937804 Missing Document: Missing Final 1003             Provide missing documentation
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938161 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938165 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938168 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938190 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938192 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938199 Initial Rate Lock rate date is not documented in file.              
1354696 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12046150 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938483 Missing Document: Missing Final 1003             Provide missing documentation
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938658 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11938701 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938713 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938735 Initial Rate Lock rate date is not documented in file.              
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939236 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939238 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939239 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939240 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353179 Purchase UTD 12/XX/2005 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939241 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938247 Missing Document: Missing Final 1003             Provide missing documentation
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938895 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Appraisal not provided.          
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938920 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938924 Initial Rate Lock rate date is not documented in file.              
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939028 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939029 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11939031 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354882 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939032 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938963 Missing Document: Missing Final 1003             Provide missing documentation
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939815 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11939820 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939823 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11939861 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939880 Initial Rate Lock rate date is not documented in file.              
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961370 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354888 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12051203 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11939937 Missing Document: Missing Final 1003             Provide missing documentation
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11940101 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11940182 Initial Rate Lock rate date is not documented in file.              
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11940197 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940248 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940261 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940263 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940264 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961545 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350603 UTD UTD Primary 11/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961546 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938309 Missing Document: Missing Final 1003             Provide missing documentation
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938702 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938727 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938741 Initial Rate Lock rate date is not documented in file.              
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938814 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938817 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11938818 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353501 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961401 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11939108 Missing Document: Missing Final 1003             Provide missing documentation
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11941366 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11941447 Initial Rate Lock rate date is not documented in file.              
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11941479 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941844 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941846 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941847 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352584 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961900 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11939549 Missing Document: Missing Final 1003             Provide missing documentation
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939782 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939795 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11939809 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11939915 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939949 Initial Rate Lock rate date is not documented in file.              
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11961641 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961813 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961814 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352830 Refinance UTD Primary 10/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961815 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938790 Missing Document: Missing Final 1003             Provide missing documentation
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11938918 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11938942 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11938954 Initial Rate Lock rate date is not documented in file.              
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939129 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939133 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11962048 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044131 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1352884 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044132 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938841 Missing Document: Missing Final 1003             Provide missing documentation
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11939262 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11939296 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939305 Initial Rate Lock rate date is not documented in file.              
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939407 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939409 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939410 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961876 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1351776 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11961877 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11939337 Missing Document: Missing Final 1003             Provide missing documentation
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11939502 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11939508 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939509 Initial Rate Lock rate date is not documented in file.              
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939606 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939608 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939610 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939611 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11962235 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354998 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044176 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11939422 Missing Document: Missing Final 1003             Provide missing documentation
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11939530 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11939537 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939546 Initial Rate Lock rate date is not documented in file.              
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939667 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939673 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939743 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043762 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1354857 Refinance UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12043763 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11938947 Missing Document: Missing Final 1003             Provide missing documentation
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11939568 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11939577 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939616 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939618 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939625 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939626 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11939627 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939648 Initial Rate Lock rate date is not documented in file.              
1350084 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12044791 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11992899 Missing Document: Missing Final 1003             Provide missing documentation
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11992998 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11993003 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11993007 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11993010 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11993064 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11993078 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353920 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 11993081 Initial Rate Lock rate date is not documented in file.              
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11939348 Missing Document: Missing Final 1003             Provide missing documentation
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11939930 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Appraisal not provided.          
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11939971 Initial Rate Lock rate date is not documented in file.              
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940059 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11940061 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940062 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11962992 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11963048 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350326 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12045925 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11939898 Missing Document: Missing Final 1003             Provide missing documentation
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11940353 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11940382 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11940386 Initial Rate Lock rate date is not documented in file.              
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940580 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940582 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940583 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354546 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11963635 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353264 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11940378 Missing Document: Missing Final 1003             Provide missing documentation
1353264 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11940739 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353264 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11940759 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353264 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11940764 Initial Rate Lock rate date is not documented in file.              
1353264 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940930 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1353264 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940931 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353264 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940932 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11940119 Missing Document: Missing Final 1003             Provide missing documentation
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11940671 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11940695 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11940699 Initial Rate Lock rate date is not documented in file.              
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940753 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940755 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11940756 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351316 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12046753 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11940482 Missing Document: Missing Final 1003             Provide missing documentation
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11957242 Initial Rate Lock rate date is not documented in file.              
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11957247 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957271 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957273 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957274 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11982815 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350722 UTD UTD Primary 2/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12046162 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1355240 Refinance Cash-out - Other Investment 3/XX/2007 NY $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941390 Missing Document: Missing Final 1003             Provide missing documentation
1355240 Refinance Cash-out - Other Investment 3/XX/2007 NY $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11941884 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355240 Refinance Cash-out - Other Investment 3/XX/2007 NY $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11941958 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355240 Refinance Cash-out - Other Investment 3/XX/2007 NY $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11941964 Initial Rate Lock rate date is not documented in file.              
1355240 Refinance Cash-out - Other Investment 3/XX/2007 NY $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942049 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355240 Refinance Cash-out - Other Investment 3/XX/2007 NY $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942052 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355240 Refinance Cash-out - Other Investment 3/XX/2007 NY $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12046288 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941149 Missing Document: Missing Final 1003             Provide missing documentation
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11957562 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11957567 Initial Rate Lock rate date is not documented in file.              
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957601 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957603 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11957605 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11982700 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11983079 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1350321 UTD UTD Primary 4/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   3 12022757 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1353407 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941074 Missing Document: Missing Final 1003             Provide missing documentation
1353407 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11941301 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353407 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11941310 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353407 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11941317 Initial Rate Lock rate date is not documented in file.              
1353407 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941402 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353407 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941410 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353407 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12045030 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941164 Missing Document: Missing Final 1003             Provide missing documentation
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11941415 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11941417 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11941427 Initial Rate Lock rate date is not documented in file.              
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941491 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941493 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941494 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11965142 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12046904 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1350632 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12047019 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941631 Missing Document: Missing Final 1003             Provide missing documentation
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943019 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943023 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943024 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943025 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11943112 Initial Rate Lock rate date is not documented in file.              
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11943116 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11943135 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11965171 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12047367 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1352709 UTD UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12047368 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941803 Missing Document: Missing Final 1003             Provide missing documentation
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11942618 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11942624 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11942628 Initial Rate Lock rate date is not documented in file.              
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942705 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942706 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942707 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351928 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942708 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941418 Missing Document: Missing Final 1003             Provide missing documentation
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11941645 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11941663 Initial Rate Lock rate date is not documented in file.              
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11941787 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11965847 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11965849 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048031 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1353901 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048034 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941919 Missing Document: Missing Final 1003             Provide missing documentation
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11942536 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11942587 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11942594 Initial Rate Lock rate date is not documented in file.              
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942932 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942933 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11966359 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048279 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1355014 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048280 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941802 Missing Document: Missing Final 1003             Provide missing documentation
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11942949 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11942959 Initial Rate Lock rate date is not documented in file.              
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942976 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942977 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942979 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942980 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942981 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353282 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942982 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941774 Missing Document: Missing Final 1003             Provide missing documentation
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11942013 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11942045 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11942055 Initial Rate Lock rate date is not documented in file.              
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942378 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942380 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942381 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942382 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351017 UTD UTD Primary 8/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048626 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11941976 Missing Document: Missing Final 1003             Provide missing documentation
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11942578 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11942601 Initial Rate Lock rate date is not documented in file.              
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11942609 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942695 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942697 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942698 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11967083 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12049098 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1350581 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12049101 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11942295 Missing Document: Missing Final 1003             Provide missing documentation
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942742 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942743 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942751 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942754 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942755 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11942757 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11942816 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11942818 Initial Rate Lock rate date is not documented in file.              
1354076 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048747 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11942714 Missing Document: Missing Final 1003             Provide missing documentation
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11943106 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11943132 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11943136 Initial Rate Lock rate date is not documented in file.              
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943702 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943704 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943705 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943706 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048855 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1354800 Refinance UTD Primary 11/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048858 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11942189 Missing Document: Missing Final 1003             Provide missing documentation
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11958487 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11958496 Initial Rate Lock rate date is not documented in file.              
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958542 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958544 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958545 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11958546 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/22/2019 Compliance State Compliance Compliance Open   2 11983307 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11983324 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048920 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1353862 UTD UTD Primary 12/XX/2007 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048922 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350133 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11942958 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350133 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11942962 Initial Rate Lock rate date is not documented in file.              
1350133 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943273 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350133 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943278 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350133 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11967752 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350133 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048564 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11943548 Missing Document: Missing Final 1003             Provide missing documentation
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11943682 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11943720 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11943722 Initial Rate Lock rate date is not documented in file.              
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943881 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943883 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11943885 New Jersey Subordinate Lien Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943886 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11968155 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353822 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11968156 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11942967 Missing Document: Missing Final 1003             Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11943082 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11943100 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11943105 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11943107 Initial Rate Lock rate date is not documented in file.              
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943194 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943195 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943199 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11943202 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11968839 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.           Provide missing documentation
1352146 UTD UTD UTD 6/XX/2002 GA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11968841 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11943666 Missing Document: Missing Final 1003             Provide missing documentation
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11943969 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11943984 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11943993 Initial Rate Lock rate date is not documented in file.              
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944127 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944131 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11968873 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   3 11968874 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353109 Refinance Cash-out - Other Primary 1/XX/2005 GA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11968875 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11943877 Missing Document: Missing Final 1003             Provide missing documentation
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11944372 Initial Rate Lock rate date is not documented in file.              
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11944422 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11944534 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944669 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-06-21): The issue cited has either been resolved or was determined to not be an exception as noted. Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.0% and margin is 2.740%. This equates to an initial rate of 10.740%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 10.740%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 10.740%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as BANA# 876865370_Compliance Document_GS (2019-06-21): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. With respect to the rebuttal referencing the APR being disclosed as index plus margin, this would not be an indication of a no cost loan as the APR for open-end credit is not calculated the same way as APR for closed-end credit in that finance charges do not impact the disclosed APR. Also note, charges required to be disclosed are not limited to finance charges. Finance charges as well as Other Charges (that are not finance charges) are required to be disclosed (i.e. late payment charges, over limit fees, title, appraisal, credit report, fees, etc.)  
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11944672 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944673 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944674 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354399 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944677 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11944051 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11944058 Initial Rate Lock rate date is not documented in file.              
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Cleared 06/20/2019 1 11944327 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.         (2019-06-20): Exception cleared  
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944336 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Cleared 06/20/2019 1 11944343 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-06-20): Exception cleared Provide missing documentation
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944347 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944416 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944434 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Cleared 06/20/2019 1 11969259 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-06-20): Exception cleared  
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 06/20/2019 Compliance Federal Compliance Compliance Open   2 12368281 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1354663 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 06/20/2019 Compliance Federal Compliance Compliance Open   2 12368282 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352211 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944160 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352211 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11944163 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352211 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11944189 Missing Document: Missing Final 1003             Provide missing documentation
1352211 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11944201 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352211 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11944212 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352211 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11944219 Initial Rate Lock rate date is not documented in file.              
1352211 Refinance Cash-out - Other Primary 6/XX/2006 GA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12047617 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11944172 Missing Document: Missing Final 1003   1003's not provided         Provide missing documentation
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11944541 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   appraisal not provided, value at time of transaction not reported          
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11944651 Final Title Policy is missing. No evidence of title in file.   preliminary, final title missing         Provide missing documentation
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11944679 Initial Rate Lock rate date is not documented in file.   rate lock not provided          
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945085 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945089 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945092 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11969626 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352243 Refinance UTD Primary 10/XX/2006 GA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12047747 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11945451 Missing Document: Missing Final 1003             Provide missing documentation
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945660 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945665 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945667 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945670 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945671 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11945703 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11945705 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11945711 Initial Rate Lock rate date is not documented in file.              
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11970442 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12047635 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1352075 UTD UTD UTD 12/XX/2007 GA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12047636 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11945614 Missing Document: Missing Final 1003             Provide missing documentation
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11945759 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11945761 Initial Rate Lock rate date is not documented in file.              
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946012 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946013 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11946015 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946016 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946017 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946018 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946019 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11970773 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351815 Refinance Cash-out - Other Primary 3/XX/2004 MD $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11970774 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11944976 Missing Document: Missing Final 1003             Provide missing documentation
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11945900 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11945903 Initial Rate Lock rate date is not documented in file.              
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946142 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946145 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/21/2019 Loan Package Documentation Application / Processing Credit Open   3 11970796 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11970904 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   3 11970905 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351587 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 MD $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11970906 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355135 Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11946456 Initial Rate Lock rate date is not documented in file.              
1355135 Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11946543 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355135 Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11946567 Missing Document: Missing Final 1003             Provide missing documentation
1355135 Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946664 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355135 Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11971492 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355135 Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   3 11971493 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1355135 Refinance Cash-out - Other Primary 9/XX/2006 MD $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11971494 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11945245 Missing Document: Missing Final 1003             Provide missing documentation
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11945520 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11945536 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11945539 Initial Rate Lock rate date is not documented in file.              
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945722 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945724 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11945725 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352662 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11971575 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11945997 Missing Document: Missing Final 1003             Provide missing documentation
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11947378 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11947430 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11947438 Initial Rate Lock rate date is not documented in file.              
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947563 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947565 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947566 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351879 Refinance Cash-out - Other Primary 2/XX/2007 MD $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12048043 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11945981 Missing Document: Missing Final 1003             Provide missing documentation
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11946744 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11946882 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11946889 Initial Rate Lock rate date is not documented in file.              
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947089 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947091 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947092 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947093 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037045 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1352733 Refinance Cash-out - Other Primary 2/XX/2008 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037046 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11946469 Missing Document: Missing Final 1003             Provide missing documentation
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946717 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946718 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11946721 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946725 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946729 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946730 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11946732 Tennessee Late Charge Percent and Amount Test Unable to determine if late charge exceeds state maximum due to missing information.            
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946733 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11946808 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11946981 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11946987 Initial Rate Lock rate date is not documented in file.              
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11971789 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350029 Refinance Cash-out - Other Primary 1/XX/2006 TN $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11971845 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11946639 Missing Document: Missing Final 1003             Provide missing documentation
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11947108 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11947120 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11947124 Initial Rate Lock rate date is not documented in file.              
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947263 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947266 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11947268 Pennsylvania Subordinate Lien Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947269 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354576 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12051255 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11946382 Missing Document: Missing Final 1003             Provide missing documentation
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11946687 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11946790 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11946799 Initial Rate Lock rate date is not documented in file.              
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947103 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11947105 Pennsylvania Subordinate Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947107 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354363 Refinance Cash-out - Other Primary 3/XX/2007 PA $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11971932 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11946520 Missing Document: Missing Final 1003             Provide missing documentation
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11947122 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11947192 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11947195 Initial Rate Lock rate date is not documented in file.              
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947514 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947515 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947518 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947519 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947520 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947523 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11985830 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/22/2019 Compliance State Compliance Compliance Open   2 11985836 Pennsylvania Subordinate Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037058 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037059 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353981 Refinance Cash-out - Other Primary 8/XX/2007 PA $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037060 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11948379 Missing Document: Missing Final 1003             Provide missing documentation
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948404 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948423 Final Title Policy is missing. No evidence of title in file.   Final and Preliminary Title Policies are not in file         Provide missing documentation
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948434 Initial Rate Lock rate date is not documented in file.              
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948562 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948566 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11948569 Pennsylvania Subordinate Lien Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948571 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948783 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948784 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354890 Refinance Cash-out - Other Primary 12/XX/2007 PA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948785 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354081 Refinance Cash-out - Other Investment 6/XX/2002 NY $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11946224 Missing Document: Missing Final 1003             Provide missing documentation
1354081 Refinance Cash-out - Other Investment 6/XX/2002 NY $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947528 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.           Provide missing documentation
1354081 Refinance Cash-out - Other Investment 6/XX/2002 NY $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11947548 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354081 Refinance Cash-out - Other Investment 6/XX/2002 NY $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11947552 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354081 Refinance Cash-out - Other Investment 6/XX/2002 NY $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11947556 Initial Rate Lock rate date is not documented in file.              
1354081 Refinance Cash-out - Other Investment 6/XX/2002 NY $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11986152 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948310 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11948320 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948333 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948336 Initial Rate Lock rate date is not documented in file.              
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11948415 Missing Document: Missing Final 1003             Provide missing documentation
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948542 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11948548 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948550 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948552 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948554 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   3 11948557 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ)          
1351737 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948559 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11947462 Missing Document: Missing Final 1003             Provide missing documentation
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947863 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947864 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11947866 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947868 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947869 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947870 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11947872 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11947904 Initial Rate Lock rate date is not documented in file.              
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11947914 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350453 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11947933 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948574 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948576 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   3 11948577 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period does not meet the 15 day minimum per state (NJ).          
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948579 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11948587 Missing Document: Missing Final 1003             Provide missing documentation
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948591 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948608 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948610 Initial Rate Lock rate date is not documented in file.              
1354599 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037068 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11948140 Missing Document: Missing Final 1003             Provide missing documentation
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948698 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948704 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948708 Initial Rate Lock rate date is not documented in file.              
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948752 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948754 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948756 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948758 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001.           Provide missing documentation
1350495 Refinance Cash-out - Other Primary 12/XX/2001 RI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948762 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Compliance Miscellaneous Compliance Compliance Open   2 11988583 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988587 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988588 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988589 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988590 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988591 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11988594 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11988595 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Credit General Credit Open   3 11988596 Initial Rate Lock rate date is not documented in file.              
1352507 Refinance Cash-out - Other UTD 11/XX/2005 ME $XXX Loan Review Complete 05/22/2019 Loan Package Documentation Application / Processing Credit Open   2 11988597 Missing Document: Missing Final 1003             Provide missing documentation
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11947984 Missing Document: Missing Final 1003             Provide missing documentation
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948258 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948263 Initial Rate Lock rate date is not documented in file.              
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988775 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988776 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988777 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988778 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351174 Refinance Cash-out - Other Primary 8/XX/2007 ME $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11988781 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11948606 Missing Document: Missing Final 1003             Provide missing documentation
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948796 Initial Rate Lock rate date is not documented in file.              
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948797 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Compliance Miscellaneous Compliance Compliance Open   2 11948806 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948828 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988826 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988827 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.           Provide missing documentation
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988828 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/22/2019 Compliance State Compliance Compliance Open   2 11988829 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350802 Refinance Cash-out - Debt Consolidation UTD 12/XX/2003 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988830 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11948678 Missing Document: Missing Final 1003             Provide missing documentation
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948914 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948915 Initial Rate Lock rate date is not documented in file.              
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949123 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2001.           Provide missing documentation
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988878 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988879 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988880 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988906 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353792 Refinance Cash-out - Debt Consolidation Primary 5/XX/2002 MI $XXX Loan Review Complete 05/22/2019 Compliance State Compliance Compliance Open   2 11988907 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11948213 Missing Document: Missing Final 1003             Provide missing documentation
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11948809 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11948851 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11948855 Initial Rate Lock rate date is not documented in file.              
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11948920 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11948921 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11998453 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11998454 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353213 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11998455 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11949397 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11949454 Missing Document: Missing Final 1003             Provide missing documentation
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949597 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949613 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11949622 Initial Rate Lock rate date is not documented in file.              
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11949715 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949716 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949717 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350415 Refinance Cash-out - Home Improvement Primary 3/XX/2006 MI $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11949718 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11950006 Missing Document: Missing Final 1003             Provide missing documentation
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11954626 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11954627 Initial Rate Lock rate date is not documented in file.              
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954638 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   3 11954639 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954640 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954641 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11954642 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350422 Refinance Cash-out - Other Primary 6/XX/2003 MI $XXX Loan Review Complete 05/21/2019 Compliance State Compliance Compliance Open   2 11954643 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11949625 Missing Document: Missing Final 1003             Provide missing documentation
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11949707 Initial Rate Lock rate date is not documented in file.              
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11949712 Final Title Policy is missing. No evidence of title in file.   Final and Preliminary Title are not in file         Provide missing documentation
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949795 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002.           Provide missing documentation
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949797 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949800 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2003, prior to three (3) business days from transaction date of 03/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949907 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949908 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354038 Refinance Cash-out - Other Primary 3/XX/2003 MI $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11949909 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11949647 Missing Document: Missing Final 1003             Provide missing documentation
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Closing / Title Compliance Open   2 11950151 Note Error: Note grace period days less than minimum per state   10 day grace period less than 15 day minimum per state (MO)          
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11950155 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11950170 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11950172 Initial Rate Lock rate date is not documented in file.              
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950251 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11950255 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950257 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950258 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950260 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11950262 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MO)          
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11950263 Missouri Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354602 Refinance Cash-out - Other Primary 4/XX/2005 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950264 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11950335 Missing Document: Missing Final 1003             Provide missing documentation
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11950378 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11950389 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11950391 Initial Rate Lock rate date is not documented in file.              
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950425 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Compliance State Compliance Compliance Open   2 11950427 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state (MO).          
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950428 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Closing / Title Compliance Open   2 11989658 Note Error: Note grace period days less than minimum per state   10 day grace period is less than the 15 day minimum per state (MO).          
1355161 Refinance Cash-out - Other Primary 7/XX/2006 MO $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037005 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11950110 Missing Document: Missing Final 1003             Provide missing documentation
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/22/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11982026 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/22/2019 Credit General Credit Open   3 11982027 Initial Rate Lock rate date is not documented in file.              
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11982170 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   3 11982174 (Missing Data) Number of Units Number of Units for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/22/2019 Compliance State Compliance Compliance Open   2 11982175 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11982178 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008622 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353623 UTD UTD Primary 9/XX/2006 MO $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12046593 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11950450 Missing Document: Missing Final 1003             Provide missing documentation
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/20/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11950553 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11950559 Initial Rate Lock rate date is not documented in file.              
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11950565 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950590 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11950591 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Cleared 06/20/2019 1 11989897 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.     (2019-06-20): The issue cited has either been resolved or was determined to not be an exception as noted. File documentation included the XXX Credit Agreement & Disclosure dated 4/XX/2005, which did not identify any specific fees due at loan closing. This is evidenced by two documents identified as Request for Closing Documents dated 3/XX/2005 and the Disbursement Request and Authorization dated 4/XX/2005: neither document reflected any fees or charges on this loan. Supporting documents have been uploaded as BANA#877609270_Compliance Documents_GS.   (2019-06-20): Exception cleared.  
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Cleared 06/20/2019 1 11989899 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-06-20): The issue cited has either been resolved or was determined to not be an exception as noted. File documentation included the XXX Credit Agreement & Disclosure dated 4/XX/2005, which did not identify any specific fees due at loan closing. This is evidenced by two documents identified as Request for Closing Documents dated 3/XX/2005 and the Disbursement Request and Authorization dated 4/XX/2005: neither document reflected any fees or charges on this loan. Supporting documents have been uploaded as BANA#877609270_Compliance Documents_GS.   (2019-06-20): Exception cleared.  
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Cleared 06/20/2019 1 11989902 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-06-20): Exception cleared. Provide missing documentation
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989974 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 06/20/2019 Compliance Federal Compliance Compliance Open   2 12375277 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1354532 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 06/20/2019 Compliance Federal Compliance Compliance Open   2 12375278 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11951958 Missing Document: Missing Final 1003             Provide missing documentation
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11983413 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11983528 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Credit General Credit Open   3 11983536 Initial Rate Lock rate date is not documented in file.              
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11983647 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11983653 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11983760 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11983782 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11983783 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036981 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352045 Refinance UTD Primary 10/XX/2007 OK $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036982 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Loan Package Documentation Application / Processing Credit Open   2 11952917 Missing Document: Missing Final 1003             Provide missing documentation
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11952926 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Credit General Credit Open   3 11952928 Initial Rate Lock rate date is not documented in file.              
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11952930 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   3 11952933 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11952934 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11952935 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/20/2019 Compliance Federal Compliance Compliance Open   2 11952937 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11990903 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351915 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11991032 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Loan Package Documentation Application / Processing Credit Open   2 11953267 Missing Document: Missing Final 1003             Provide missing documentation
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11953276 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11953277 Initial Rate Lock rate date is not documented in file.              
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11953278 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953283 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953285 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11991743 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11991745 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351713 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11991747 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Loan Package Documentation Application / Processing Credit Open   2 11953286 Missing Document: Missing Final 1003             Provide missing documentation
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11953287 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11953288 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11953289 Initial Rate Lock rate date is not documented in file.              
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953293 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953294 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953296 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953298 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354796 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12036848 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Loan Package Documentation Application / Processing Credit Open   2 11953326 Missing Document: Missing Final 1003             Provide missing documentation
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11953327 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11953328 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11953329 Initial Rate Lock rate date is not documented in file.              
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953334 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953336 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953337 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11991409 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12049465 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354278 Refinance Cash-out - Other Primary 6/XX/2007 VA $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12049466 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Loan Package Documentation Application / Processing Credit Open   2 11953381 Missing Document: Missing Final 1003             Provide missing documentation
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11953388 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11953390 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Credit General Credit Open   3 11953391 Initial Rate Lock rate date is not documented in file.              
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953402 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953404 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953405 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/21/2019 Compliance Federal Compliance Compliance Open   2 11953406 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11991732 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1351060 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11991733 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354644 Refinance Cash-out - Other Primary 4/XX/2007 NC $XXX Loan Review Complete 05/22/2019 Loan Package Documentation Application / Processing Credit Open   2 11984849 Missing Document: Missing Final 1003             Provide missing documentation
1354644 Refinance Cash-out - Other Primary 4/XX/2007 NC $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11985215 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354644 Refinance Cash-out - Other Primary 4/XX/2007 NC $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11985217 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354644 Refinance Cash-out - Other Primary 4/XX/2007 NC $XXX Loan Review Complete 05/22/2019 Credit General Credit Open   3 11985301 Initial Rate Lock rate date is not documented in file.              
1354644 Refinance Cash-out - Other Primary 4/XX/2007 NC $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11985412 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354644 Refinance Cash-out - Other Primary 4/XX/2007 NC $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12002018 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 12002309 Missing Document: Missing Final 1003             Provide missing documentation
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12002593 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12002600 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12002604 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12002760 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 12002763 Initial Rate Lock rate date is not documented in file.              
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/24/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12025700 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352207 Refinance Cash-out - Other Primary 3/XX/2006 WA $XXX Loan Review Complete 05/30/2019 Compliance Federal Compliance Compliance Open   2 12084328 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 12003090 Missing Document: Missing Final 1003             Provide missing documentation
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12003753 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12003766 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 12003771 Initial Rate Lock rate date is not documented in file.              
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12003891 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12003892 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12003893 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   3 12003896 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12003897 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12003898 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12003899 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12003900 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354333 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 05/24/2019 Document Error General Credit Open   3 12027526 Escrow Type is unknown.              
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/22/2019 Loan Package Documentation Application / Processing Credit Open   2 11988915 Missing Document: Missing Final 1003             Provide missing documentation
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/22/2019 Credit General Credit Open   3 11988927 Initial Rate Lock rate date is not documented in file.              
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/22/2019 Document Error General Credit Open   3 11988928 Escrow Type is unknown.              
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/22/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11988930 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988946 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988948 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/22/2019 Compliance Federal Compliance Compliance Open   2 11988949 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12007930 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12007962 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   3 12007963 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353069 Refinance UTD Primary 9/XX/2005 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12007965 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 12005325 Missing Document: Missing Final 1003             Provide missing documentation
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12005592 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 12005610 Initial Rate Lock rate date is not documented in file.              
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12005935 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   3 12005940 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12005945 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12005947 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12005950 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351847 Refinance UTD Primary 2/XX/2006 FL $XXX Loan Review Complete 05/24/2019 Document Error General Credit Open   3 12028973 Escrow Type is unknown.              
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11989358 Missing Document: Missing Final 1003             Provide missing documentation
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11989379 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11989380 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 11989381 Initial Rate Lock rate date is not documented in file.              
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989389 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989391 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989392 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   3 12008168 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008170 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351760 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 05/29/2019 Compliance Federal Compliance Compliance Open   2 12062661 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11989412 Missing Document: Missing Final 1003             Provide missing documentation
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11989481 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 11989490 Initial Rate Lock rate date is not documented in file.              
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11989499 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989511 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989513 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989514 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11989515 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008176 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1353258 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008177 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 12004894 Missing Document: Missing Final 1003             Provide missing documentation
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12005374 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12005444 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 12005463 Initial Rate Lock rate date is not documented in file.              
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12005793 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12005795 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12005796 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350344 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/30/2019 Compliance Federal Compliance Compliance Open   2 12085663 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 12006366 Missing Document: Missing Final 1003             Provide missing documentation
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12006735 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12006736 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12006737 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12006739 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12006740 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12006789 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12006799 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 12006802 Initial Rate Lock rate date is not documented in file.              
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/30/2019 Compliance Federal Compliance Compliance Open   2 12085228 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/30/2019 Compliance Federal Compliance Compliance Open   2 12085229 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351861 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 05/30/2019 Compliance Federal Compliance Compliance Open   2 12085231 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 12007764 Missing Document: Missing Final 1003             Provide missing documentation
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12007928 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12007936 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 12007944 Initial Rate Lock rate date is not documented in file.              
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008045 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008047 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008048 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008049 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008050 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008051 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008052 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12008053 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354779 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12030954 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 12009017 Missing Document: Missing Final 1003             Provide missing documentation
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12009214 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1994.           Provide missing documentation
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 12009215 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12009224 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 12009236 Initial Rate Lock rate date is not documented in file.              
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12009240 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/25/2019 Compliance Federal Compliance Compliance Open   2 12032218 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/25/2019 Compliance Federal Compliance Compliance Open   2 12032219 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1995 used as disbursement date for compliance testing.           Provide missing documentation
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/25/2019 Compliance Federal Compliance Compliance Open   2 12032220 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351483 Refinance Cash-out - Other Primary 6/XX/1995 OH $XXX Loan Review Complete 05/25/2019 Compliance State Compliance Compliance Open   2 12032221 Ohio Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   2 12014796 Missing Document: Missing Final 1003             Provide missing documentation
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/24/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12014891 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/24/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12014907 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/24/2019 Credit General Credit Open   3 12014908 Initial Rate Lock rate date is not documented in file.              
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12014931 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12014933 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/25/2019 Compliance Federal Compliance Compliance Open   2 12032886 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353837 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 05/25/2019 Compliance State Compliance Compliance Open   2 12032887 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11991782 Missing Document: Missing Final 1003             Provide missing documentation
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11992349 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 11992351 Initial Rate Lock rate date is not documented in file.              
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11992446 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11992448 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11992450 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/25/2019 Compliance Federal Compliance Compliance Open   2 12032928 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350875 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/25/2019 Compliance Federal Compliance Compliance Open   2 12032929 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   2 12015698 Missing Document: Missing Final 1003             Provide missing documentation
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12015846 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Credit General Credit Open   3 12015847 Initial Rate Lock rate date is not documented in file.              
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12015861 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015959 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015960 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015966 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015967 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350077 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/25/2019 Compliance Federal Compliance Compliance Open   2 12033534 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   2 12015588 Missing Document: Missing Final 1003             Provide missing documentation
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12015730 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12015754 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Credit General Credit Open   3 12015755 Initial Rate Lock rate date is not documented in file.              
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015970 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015971 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015973 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353754 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12015974 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11993738 Missing Document: Missing Final 1003             Provide missing documentation
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11994107 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11994125 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 11994144 Initial Rate Lock rate date is not documented in file.              
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11994232 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11994234 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11994235 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354669 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/26/2019 Compliance Federal Compliance Compliance Open   2 12034448 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   2 12019989 Missing Document: Missing Final 1003             Provide missing documentation
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12020438 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12020484 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Credit General Credit Open   3 12020519 Initial Rate Lock rate date is not documented in file.              
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12020750 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12020751 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12020752 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12020753 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350409 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12020754 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11998524 Missing Document: Missing Final 1003             Provide missing documentation
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11998537 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11998616 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037035 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037036 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037037 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037038 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037039 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037040 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352263 Refinance Cash-out - Other Primary 6/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Credit General Credit Open   3 12037044 Initial Rate Lock rate date is not documented in file.              
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   2 12022856 Missing Document: Missing Final 1003             Provide missing documentation
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/24/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12023141 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/24/2019 Credit General Credit Open   3 12023145 Initial Rate Lock rate date is not documented in file.              
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12023174 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12023175 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12037120 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037121 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1351894 Refinance Cash-out - Other Primary 12/XX/2007 MD $XXX Loan Review Complete 05/27/2019 Compliance Federal Compliance Compliance Open   2 12037122 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11999224 Missing Document: Missing Final 1003             Provide missing documentation
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11999284 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 11999289 Initial Rate Lock rate date is not documented in file.              
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999341 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999342 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance State Compliance Compliance Open   3 11999344 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Grace period of 10 days is less than the 15 days required by NJ.          
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999345 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12037899 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350637 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 05/28/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12037900 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Loan Package Documentation Application / Processing Credit Open   2 11999102 Missing Document: Missing Final 1003             Provide missing documentation
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 11999175 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 11999237 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Credit General Credit Open   3 11999238 Initial Rate Lock rate date is not documented in file.              
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999395 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999399 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999404 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999406 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance State Compliance Compliance Open   3 11999407 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Grace period of 10 days is less than the 15 days required by NJ.          
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/23/2019 Compliance Federal Compliance Compliance Open   2 11999408 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354881 UTD UTD Primary 12/XX/2006 NJ $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12037970 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Loan Package Documentation Application / Processing Credit Open   2 12027201 Missing Document: Missing Final 1003             Provide missing documentation
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12027392 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Compliance Miscellaneous Compliance Compliance Open   2 12027403 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12027408 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Document Error General Credit Open   3 12027413 Escrow Type is unknown.              
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Credit General Credit Open   3 12027418 Initial Rate Lock rate date is not documented in file.              
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12027502 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12027503 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12027504 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350914 UTD UTD UTD 4/XX/2004 FL $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12027505 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1352983 Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 05/24/2019 Compliance Federal Compliance Compliance Open   2 12029284 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352983 Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 05/24/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12029288 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352983 Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 05/24/2019 Credit General Credit Open   3 12029290 Initial Rate Lock rate date is not documented in file.              
1352983 Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040751 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1352983 Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040752 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.           Provide missing documentation
1352983 Refinance Cash-out - Other Primary 8/XX/2003 FL $XXX Loan Review Complete 05/28/2019 Compliance Federal Compliance Compliance Open   2 12040753 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12230555 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12230561 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12230649 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12230679 Missing Document: Missing Final 1003             Provide missing documentation
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12230946 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12230990 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Document Error General Credit Open   3 12230995 Escrow Type is unknown.              
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12230997 Initial Rate Lock rate date is not documented in file.              
1352906 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234687 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1353066 Refinance UTD Investment 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12230478 Missing Document: Missing Final 1003             Provide missing documentation
1353066 Refinance UTD Investment 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231520 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353066 Refinance UTD Investment 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231521 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1353066 Refinance UTD Investment 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12232058 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353066 Refinance UTD Investment 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12232062 Initial Rate Lock rate date is not documented in file.              
1354425 Refinance Cash-out - Other Primary 1/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12230358 Missing Document: Missing Final 1003             Provide missing documentation
1354425 Refinance Cash-out - Other Primary 1/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12230514 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354425 Refinance Cash-out - Other Primary 1/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12230531 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354425 Refinance Cash-out - Other Primary 1/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12230565 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354425 Refinance Cash-out - Other Primary 1/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12230569 Initial Rate Lock rate date is not documented in file.              
1354425 Refinance Cash-out - Other Primary 1/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235214 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12231186 Missing Document: Missing Final 1003             Provide missing documentation
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12231326 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12231336 Initial Rate Lock rate date is not documented in file.              
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12231340 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231373 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231379 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231381 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231384 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354935 Refinance Cash-out - Other Primary 2/XX/2007 NC $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256259 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1353848 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12231050 Missing Document: Missing Final 1003             Provide missing documentation
1353848 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231401 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353848 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12231439 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353848 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12231495 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353848 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12255803 Initial Rate Lock rate date is not documented in file.              
1353848 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12255863 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233549 Missing Document: Missing Final 1003             Provide missing documentation
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12234058 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12234103 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12234163 Initial Rate Lock rate date is not documented in file.              
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234223 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234224 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234225 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234227 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355431 Refinance Cash-out - Other Primary 11/XX/2007 NC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234228 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12231573 Missing Document: Missing Final 1003             Provide missing documentation
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231863 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12231869 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12232044 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12232066 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12232082 Initial Rate Lock rate date is not documented in file.              
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12255966 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
1350018 Refinance UTD Primary 10/XX/2003 SC $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12256132 Escrow Type is unknown.              
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12231482 Missing Document: Missing Final 1003             Provide missing documentation
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12231977 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12231987 Initial Rate Lock rate date is not documented in file.              
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232068 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232069 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Compliance State Compliance Compliance Open   2 12232070 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Compliance State Compliance Compliance Open   2 12232071 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds the $18.50 maximum per the state of SC.          
1353789 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232072 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12231803 Missing Document: Missing Final 1003             Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233513 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233518 Initial Rate Lock rate date is not documented in file.              
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233529 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233531 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233533 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233534 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1998.           Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233536 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351786 UTD UTD Primary 3/XX/1999 SC $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12256823 Escrow Type is unknown.              
1354783 Refinance UTD Primary 6/XX/2006 OR $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12231807 Missing Document: Missing Final 1003             Provide missing documentation
1354783 Refinance UTD Primary 6/XX/2006 OR $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12232905 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354783 Refinance UTD Primary 6/XX/2006 OR $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12232956 Initial Rate Lock rate date is not documented in file.              
1354783 Refinance UTD Primary 6/XX/2006 OR $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233020 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354783 Refinance UTD Primary 6/XX/2006 OR $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233021 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1354783 Refinance UTD Primary 6/XX/2006 OR $XXX Loan Review Complete 06/11/2019 Compliance State Compliance Compliance Open   2 12233022 Oregon Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (OR)          
1354783 Refinance UTD Primary 6/XX/2006 OR $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233023 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12231615 Missing Document: Missing Final 1003             Provide missing documentation
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232136 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232138 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232139 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Compliance State Compliance Compliance Open   2 12232140 Oregon Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period of 10 days is less than minimum per state (OR) of 15 days.          
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12232151 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12232178 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12232201 Initial Rate Lock rate date is not documented in file.              
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256049 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350575 Refinance Cash-out - Other Primary 7/XX/2007 OR $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256051 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12232901 Missing Document: Missing Final 1003             Provide missing documentation
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12233331 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233351 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233353 Initial Rate Lock rate date is not documented in file.              
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233443 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233446 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12233447 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233450 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233451 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233452 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353737 Refinance UTD Primary 4/XX/2005 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233453 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233083 Missing Document: Missing Final 1003             Provide missing documentation
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233610 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233612 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233613 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12233716 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233729 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233732 Initial Rate Lock rate date is not documented in file.              
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12256374 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256375 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353903 Refinance UTD Primary 1/XX/2006 AZ $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12275302 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12232462 Missing Document: Missing Final 1003             Provide missing documentation
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233102 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233145 Initial Rate Lock rate date is not documented in file.              
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   3 12236337 Missing Valuation:   Appraisal not provided         Provide missing documentation
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236786 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236788 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236789 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236790 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236791 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352582 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256379 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12232408 Missing Document: Missing Final 1003             Provide missing documentation
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Closing / Title Credit Open   3 12232411 Missing Document: Security Instrument not provided             Provide missing documentation
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12232654 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12232664 Initial Rate Lock rate date is not documented in file.              
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232732 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232734 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12232735 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12256466 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351304 UTD UTD Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256635 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351541 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12232463 Missing Document: Missing Final 1003             Provide missing documentation
1351541 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12232789 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351541 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12232817 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351541 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12232818 Initial Rate Lock rate date is not documented in file.              
1351541 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233044 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1351541 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233046 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351541 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233047 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352689 Refinance UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233171 Missing Document: Missing Final 1003             Provide missing documentation
1352689 Refinance UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12233480 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352689 Refinance UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233505 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352689 Refinance UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233511 Initial Rate Lock rate date is not documented in file.              
1352689 Refinance UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233663 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352689 Refinance UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233665 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352689 Refinance UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256460 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233115 Missing Document: Missing Final 1003             Provide missing documentation
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12233855 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233969 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233978 Initial Rate Lock rate date is not documented in file.              
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234250 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234251 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234252 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234253 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234254 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355204 Refinance Cash-out - Other Primary 4/XX/2008 AZ $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234255 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236473 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236757 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236759 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236761 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236805 Missing Document: Missing Final 1003             Provide missing documentation
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256732 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256735 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12256753 Initial Rate Lock rate date is not documented in file.              
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   3 12256802 Missing Valuation:   Appraisal not provided         Provide missing documentation
1354665 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12256829 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12232672 Missing Document: Missing Final 1003             Provide missing documentation
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12233202 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233241 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233269 Initial Rate Lock rate date is not documented in file.              
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233553 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233554 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233555 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233556 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233557 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354992 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233558 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351678 Refinance Cash-out - Other Primary 5/XX/2006 WA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233095 Missing Document: Missing Final 1003             Provide missing documentation
1351678 Refinance Cash-out - Other Primary 5/XX/2006 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233425 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351678 Refinance Cash-out - Other Primary 5/XX/2006 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233427 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351678 Refinance Cash-out - Other Primary 5/XX/2006 WA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233455 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351678 Refinance Cash-out - Other Primary 5/XX/2006 WA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233458 Initial Rate Lock rate date is not documented in file.              
1351678 Refinance Cash-out - Other Primary 5/XX/2006 WA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12233472 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351678 Refinance Cash-out - Other Primary 5/XX/2006 WA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257752 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233530 Missing Document: Missing Final 1003             Provide missing documentation
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12233771 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233781 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233791 Initial Rate Lock rate date is not documented in file.              
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234062 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234063 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234064 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1354000 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234065 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351708 Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233315 Missing Document: Missing Final 1003             Provide missing documentation
1351708 Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12233516 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351708 Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12233550 Initial Rate Lock rate date is not documented in file.              
1351708 Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233651 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1351708 Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12233654 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351708 Refinance Cash-out - Other Primary 4/XX/2007 WA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12257009 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236471 Missing Document: Missing Final 1003             Provide missing documentation
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236836 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236838 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236839 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12236845 Initial Rate Lock rate date is not documented in file.              
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236848 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12236856 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257445 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12257446 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1352089 Refinance UTD Primary 9/XX/2003 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257447 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12234364 Missing Document: Missing Final 1003             Provide missing documentation
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12234647 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12234667 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12234674 Initial Rate Lock rate date is not documented in file.              
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234776 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234777 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234779 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234781 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234782 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1353454 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257307 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12234636 Missing Document: Missing Final 1003             Provide missing documentation
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12234885 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12234921 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12234930 Initial Rate Lock rate date is not documented in file.              
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235185 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12235187 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235188 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235189 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235190 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354345 Refinance UTD Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235191 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12234203 Missing Document: Missing Final 1003             Provide missing documentation
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12234440 Initial Rate Lock rate date is not documented in file.              
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12234509 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12234521 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234549 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257526 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12257527 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257528 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354064 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257529 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12233897 Missing Document: Missing Final 1003             Provide missing documentation
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234313 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234314 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234315 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234324 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234326 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12234327 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12234334 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12234427 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12234432 Initial Rate Lock rate date is not documented in file.              
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   3 12274308 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1352603 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12274309 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12237370 Missing Document: Missing Final 1003             Provide missing documentation
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12237383 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12237418 Initial Rate Lock rate date is not documented in file.              
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237477 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237479 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237481 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257685 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1352735 Refinance UTD Primary 5/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257687 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12234157 Missing Document: Missing Final 1003             Provide missing documentation
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12235587 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12235590 Initial Rate Lock rate date is not documented in file.              
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235663 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235664 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235665 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235666 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235667 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350060 Refinance Cash-out - Other Primary 6/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12257974 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12234057 Missing Document: Missing Final 1003             Provide missing documentation
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12235841 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12235887 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12235890 Initial Rate Lock rate date is not documented in file.              
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235910 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235912 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235917 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235918 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257741 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12257742 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257744 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12257745 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353154 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12257769 Escrow Type is unknown.              
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12235571 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12235605 Missing Document: Missing Final 1003             Provide missing documentation
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12235610 Initial Rate Lock rate date is not documented in file.              
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Document Error General Credit Open   3 12235614 Escrow Type is unknown.              
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12235768 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12235931 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235932 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235934 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235936 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235937 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235938 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354119 UTD UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12274366 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12235010 Missing Document: Missing Final 1003             Provide missing documentation
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235478 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235480 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235481 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235482 Incorrect Right To Cancel Form Used - G-6 or G-9 used on a Refinance HELOC Transaction Truth in Lending Act: Notice of Right to Cancel was executed on the G-6 or G-9 form. Elevate to Compliance for review.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12235506 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12235509 Initial Rate Lock rate date is not documented in file.              
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12235529 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12275718 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1353155 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12275719 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12235003 Missing Document: Missing Final 1003             Provide missing documentation
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12235074 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12235081 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12235086 Initial Rate Lock rate date is not documented in file.              
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235401 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12235404 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235407 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235409 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351725 Refinance Cash-out - Other Primary 10/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235411 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12234866 Missing Document: Missing Final 1003             Provide missing documentation
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235756 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12235759 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235762 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235763 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235764 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12235765 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12235799 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12235868 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353351 UTD UTD Primary 11/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12235871 Initial Rate Lock rate date is not documented in file.              
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12235497 Missing Document: Missing Final 1003             Provide missing documentation
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236156 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236157 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236159 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236161 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236162 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12236220 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236247 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12236253 Initial Rate Lock rate date is not documented in file.              
1351800 UTD UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12258308 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12235391 Missing Document: Missing Final 1003             Provide missing documentation
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12236327 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236355 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12236358 Initial Rate Lock rate date is not documented in file.              
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236370 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12236371 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236373 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236374 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236375 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236376 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355395 Refinance UTD Primary 12/XX/2005 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12258128 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12235236 Missing Document: Missing Final 1003             Provide missing documentation
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236003 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236007 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236060 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12236064 Initial Rate Lock rate date is not documented in file.              
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12258656 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12258657 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354374 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12258658 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236900 Missing Document: Missing Final 1003             Provide missing documentation
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12237468 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12237629 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12237632 Initial Rate Lock rate date is not documented in file.              
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237988 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237989 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237990 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237991 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237992 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352278 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237997 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Right of Rescission Timing HELOC - Receipt Date Missing.         Provide missing documentation
1350584 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236593 Missing Document: Missing Final 1003             Provide missing documentation
1350584 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236769 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350584 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12236772 Initial Rate Lock rate date is not documented in file.              
1350584 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236793 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1350584 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236795 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350584 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12258689 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350584 Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12258833 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12236705 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236722 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12236726 Initial Rate Lock rate date is not documented in file.              
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236771 Missing Document: Missing Final 1003             Provide missing documentation
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236921 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236922 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236923 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355212 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12236925 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12237075 Missing Document: Missing Final 1003             Provide missing documentation
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237654 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237655 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237656 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237657 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237658 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237659 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12237780 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12237792 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350803 Refinance UTD Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12237798 Initial Rate Lock rate date is not documented in file.              
1350165 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236496 Missing Document: Missing Final 1003             Provide missing documentation
1350165 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12236983 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350165 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12237017 Initial Rate Lock rate date is not documented in file.              
1350165 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237470 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350165 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237471 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1350165 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237472 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350165 Refinance Cash-out - Other Primary 1/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12258732 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236816 Missing Document: Missing Final 1003             Provide missing documentation
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12237050 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12237115 Initial Rate Lock rate date is not documented in file.              
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12237144 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237226 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259019 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259020 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259021 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259022 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259023 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259024 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351172 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259025 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12236608 Missing Document: Missing Final 1003             Provide missing documentation
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12237048 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12237056 Initial Rate Lock rate date is not documented in file.              
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237806 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237807 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12237809 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12259054 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352022 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259456 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12238955 Missing Document: Missing Final 1003             Provide missing documentation
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239232 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239233 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239234 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239235 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239287 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12239307 Initial Rate Lock rate date is not documented in file.              
1351278 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239314 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12237877 Missing Document: Missing Final 1003             Provide missing documentation
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12237982 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12237998 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12238001 Initial Rate Lock rate date is not documented in file.              
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12238187 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12238189 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12238190 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12259843 Escrow Type is unknown.              
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259897 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352055 UTD UTD Primary 10/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259898 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12237509 Missing Document: Missing Final 1003             Provide missing documentation
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12238087 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12238089 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12238091 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12238104 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12238131 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12238141 Initial Rate Lock rate date is not documented in file.              
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259809 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1353306 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259810 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12239176 Missing Document: Missing Final 1003             Provide missing documentation
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239208 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239325 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12239335 Initial Rate Lock rate date is not documented in file.              
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239632 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239634 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239635 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260018 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1352307 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260019 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240835 Missing Document: Missing Final 1003             Provide missing documentation
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241352 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241353 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241354 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241355 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12241381 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12241388 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353466 Refinance UTD Primary 2/XX/2008 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12241390 Initial Rate Lock rate date is not documented in file.              
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12238533 Missing Document: Missing Final 1003             Provide missing documentation
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239373 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239416 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12239421 Initial Rate Lock rate date is not documented in file.              
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239799 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1996 used as disbursement date for compliance testing.           Provide missing documentation
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239801 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239920 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259975 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1995.           Provide missing documentation
1350553 Refinance Cash-out - Other Primary 4/XX/1996 FL $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12259976 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12238213 Missing Document: Missing Final 1003             Provide missing documentation
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239007 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239029 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12239047 Initial Rate Lock rate date is not documented in file.              
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239066 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239067 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239068 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239069 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239071 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355571 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12260329 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12238619 Missing Document: Missing Final 1003             Provide missing documentation
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12240005 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12240024 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240026 Initial Rate Lock rate date is not documented in file.              
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240112 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240115 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240118 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240121 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355074 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260913 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351306 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12238621 Missing Document: Missing Final 1003             Provide missing documentation
1351306 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12238918 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351306 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12238974 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351306 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12238987 Initial Rate Lock rate date is not documented in file.              
1351306 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239018 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351306 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260554 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
1351306 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12260555 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12238408 Missing Document: Missing Final 1003             Provide missing documentation
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239726 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239735 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12239793 Initial Rate Lock rate date is not documented in file.              
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239934 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239935 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239936 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239939 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239940 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353582 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239941 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12238494 Missing Document: Missing Final 1003             Provide missing documentation
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12238798 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12238831 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12238834 Initial Rate Lock rate date is not documented in file.              
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239013 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239014 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239015 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12260429 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352809 UTD UTD UTD 10/XX/2004 CA $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12260433 Escrow Type is unknown.              
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12239433 Missing Document: Missing Final 1003             Provide missing documentation
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239736 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239741 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Document Error General Credit Open   3 12239746 Escrow Type is unknown.              
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12239749 Initial Rate Lock rate date is not documented in file.              
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239828 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239829 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239830 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239832 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239834 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2004, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12278900 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354657 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12278901 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12239423 Missing Document: Missing Final 1003             Provide missing documentation
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239873 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239876 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239877 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239881 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239980 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240039 Initial Rate Lock rate date is not documented in file.              
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240180 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240221 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352305 UTD UTD Primary 1/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12261340 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351958 Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12239169 Missing Document: Missing Final 1003             Provide missing documentation
1351958 Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12239495 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351958 Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12239497 Initial Rate Lock rate date is not documented in file.              
1351958 Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239510 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
1351958 Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12239512 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351958 Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12260724 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351958 Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260773 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12239506 Missing Document: Missing Final 1003             Provide missing documentation
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12239929 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240020 Initial Rate Lock rate date is not documented in file.              
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12240025 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240299 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240300 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240301 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240302 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240303 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354679 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240304 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240537 Missing Document: Missing Final 1003             Provide missing documentation
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12240796 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12240806 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240815 Initial Rate Lock rate date is not documented in file.              
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241110 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241113 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241114 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241115 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260580 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260581 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12278713 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352642 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12278714 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240531 Missing Document: Missing Final 1003             Provide missing documentation
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240681 Initial Rate Lock rate date is not documented in file.              
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12240735 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12254659 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12254661 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12260551 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12260576 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351290 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12260670 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240004 Missing Document: Missing Final 1003             Provide missing documentation
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240305 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240306 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240307 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240308 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240309 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240310 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12240557 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12240578 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355230 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240582 Initial Rate Lock rate date is not documented in file.              
1354271 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240046 Missing Document: Missing Final 1003             Provide missing documentation
1354271 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12240274 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354271 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240297 Initial Rate Lock rate date is not documented in file.              
1354271 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12240313 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354271 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240656 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354271 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240657 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1354271 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12240658 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240542 Missing Document: Missing Final 1003             Provide missing documentation
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12240892 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12240914 Initial Rate Lock rate date is not documented in file.              
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241088 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241092 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12241141 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12278302 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. HELOC agreement is dated 10/XX/2006. However the notary date is 10/XX/2006.          
1354624 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12278366 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12245657 Missing Document: Missing Final 1003             Provide missing documentation
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245929 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245930 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245931 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245932 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245933 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245934 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12245950 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Miscellaneous Compliance Compliance Open   2 12245955 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12245956 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353445 UTD UTD UTD 7/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12245957 Initial Rate Lock rate date is not documented in file.              
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12241169 Missing Document: Missing Final 1003             Provide missing documentation
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12241760 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12241762 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12241764 Initial Rate Lock rate date is not documented in file.              
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241956 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241957 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241959 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241964 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241966 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241967 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241969 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12261407 Escrow Type is unknown.              
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12261767 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1351641 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12261768 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information. All lenders may assess a late charge not to exceed the greater of 6% of the installment due that is applicable to the payment of principal and interest on the loan, or $5. A late charge may not be assessed if the payment is made in full within 10 days after its due date          
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240985 Missing Document: Missing Final 1003             Provide missing documentation
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12241706 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12241744 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12241757 Initial Rate Lock rate date is not documented in file.              
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242098 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242100 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242102 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/11/2019 Compliance State Compliance Compliance Open   2 12242103 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12261299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1355007 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12261303 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240790 Missing Document: Missing Final 1003             Provide missing documentation
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12241206 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12241358 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12241392 Initial Rate Lock rate date is not documented in file.              
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241528 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241529 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241530 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241531 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350786 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241532 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12241769 Missing Document: Missing Final 1003             Provide missing documentation
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12244335 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12244399 Initial Rate Lock rate date is not documented in file.              
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244669 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244670 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12261784 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12261908 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262037 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262038 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262075 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352361 UTD UTD UTD 6/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262118 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350907 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12241775 Missing Document: Missing Final 1003             Provide missing documentation
1350907 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12242183 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350907 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12242203 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350907 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12242210 Initial Rate Lock rate date is not documented in file.              
1350907 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242529 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1350907 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242530 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350907 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242531 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240809 Missing Document: Missing Final 1003             Provide missing documentation
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241513 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241515 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241516 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12241549 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12241630 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12241652 Initial Rate Lock rate date is not documented in file.              
1355415 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262133 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12240812 Missing Document: Missing Final 1003             Provide missing documentation
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241449 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12241452 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12241491 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12241525 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Document Error General Credit Open   3 12241535 Escrow Type is unknown.              
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12241540 Initial Rate Lock rate date is not documented in file.              
1352506 Refinance UTD Primary 7/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12261933 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12241471 Missing Document: Missing Final 1003             Provide missing documentation
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12242259 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12242273 Initial Rate Lock rate date is not documented in file.              
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242378 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242379 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242380 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12262030 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352009 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262069 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12241865 Missing Document: Missing Final 1003             Provide missing documentation
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12242208 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12242213 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12242225 Initial Rate Lock rate date is not documented in file.              
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242308 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242309 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242310 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350225 Refinance UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12242311 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12243306 Missing Document: Missing Final 1003             Provide missing documentation
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Closing / Title Credit Open   3 12243311 Missing Document: Security Instrument not provided             Provide missing documentation
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12243604 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12243652 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12243665 Initial Rate Lock rate date is not documented in file.              
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243677 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243678 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243679 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243680 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354323 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243681 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12242621 Missing Document: Missing Final 1003             Provide missing documentation
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12243088 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12243097 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12243099 Initial Rate Lock rate date is not documented in file.              
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243221 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243222 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243223 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354530 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243225 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12243369 Missing Document: Missing Final 1003             Provide missing documentation
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243694 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12243697 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243700 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243702 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243704 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12243737 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12243743 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263101 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263102 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263103 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351431 Refinance Rate/Term Primary 5/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12263120 Initial Rate Lock rate date is not documented in file.              
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12242967 Missing Document: Missing Final 1003             Provide missing documentation
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12243271 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12243343 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12243378 Initial Rate Lock rate date is not documented in file.              
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243606 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243607 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243608 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243609 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243610 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12262615 Escrow Type is unknown.              
1350150 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262653 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12242547 Missing Document: Missing Final 1003             Provide missing documentation
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12243615 Initial Rate Lock rate date is not documented in file.              
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12243619 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243797 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243800 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243801 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12262424 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262755 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262756 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1350241 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12262762 Escrow Type is unknown.              
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12243490 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12243524 Missing Document: Missing Final 1003             Provide missing documentation
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12243551 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12243556 Initial Rate Lock rate date is not documented in file.              
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244015 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244017 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244018 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244019 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12276524 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1354031 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12276525 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12243464 Initial Rate Lock rate date is not documented in file.              
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12243494 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12243508 Missing Document: Missing Final 1003             Provide missing documentation
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243716 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243718 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12243720 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12262633 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262767 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350728 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262768 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12242853 Missing Document: Missing Final 1003             Provide missing documentation
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12244109 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12244123 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12244124 Initial Rate Lock rate date is not documented in file.              
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244226 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244228 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244229 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262878 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352011 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12262879 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12243320 Missing Document: Missing Final 1003             Provide missing documentation
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244102 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244104 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12244142 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12244147 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12244150 Initial Rate Lock rate date is not documented in file.              
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263350 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263351 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351199 Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12263365 Escrow Type is unknown.              
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12243807 Missing Document: Missing Final 1003             Provide missing documentation
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12244006 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12244011 Initial Rate Lock rate date is not documented in file.              
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244031 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244034 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244035 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12263163 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263261 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263262 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351437 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12263263 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12243969 Missing Document: Missing Final 1003             Provide missing documentation
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12244292 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12244304 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12244310 Initial Rate Lock rate date is not documented in file.              
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244344 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244345 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244346 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244347 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244348 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351748 Refinance UTD Primary 1/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244349 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12244039 Missing Document: Missing Final 1003             Provide missing documentation
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12244116 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12244134 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12244136 Initial Rate Lock rate date is not documented in file.              
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244251 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244252 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244253 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244254 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244255 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352482 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244256 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12244054 Missing Document: Missing Final 1003             Provide missing documentation
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244315 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244317 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244318 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12244319 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Compliance State Compliance Compliance Open   2 12244320 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12244334 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12244368 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12244377 Initial Rate Lock rate date is not documented in file.              
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263287 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1350561 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263288 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351647 Refinance Cash-out - Other Primary   CA   Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12244266 Missing Document: Missing Final 1003             Provide missing documentation
1351647 Refinance Cash-out - Other Primary   CA   Loan Review Complete 06/11/2019 Loan Package Documentation Closing / Title Compliance Open   3 12244268 Missing Document: Note - Subject Lien not provided             Provide missing documentation
1351647 Refinance Cash-out - Other Primary   CA   Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Compliance Open   2 12244435 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
1351647 Refinance Cash-out - Other Primary   CA   Loan Review Complete 06/11/2019 Loan Package Documentation Closing / Title Credit Open   3 12247103 Title: Evidence of title is missing             Provide missing documentation
1351647 Refinance Cash-out - Other Primary   CA   Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   3 12247104 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1351647 Refinance Cash-out - Other Primary   CA   Loan Review Complete 06/11/2019 Loan Package Documentation Loan File Compliance Open   3 12247107 (Missing Doc) Incomplete loan images/file   Loan file only contains the security instrument.         Provide missing documentation
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12244930 Missing Document: Missing Final 1003             Provide missing documentation
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12245252 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245298 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12245299 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245300 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245301 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245302 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245303 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12245310 Initial Rate Lock rate date is not documented in file.              
1352160 Refinance Cash-out - Other Primary 10/XX/2003 GA $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12263547 Escrow Type is unknown.              
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12245072 Missing Document: Missing Final 1003             Provide missing documentation
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12245556 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12245565 Initial Rate Lock rate date is not documented in file.              
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245628 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245632 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245634 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12264251 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353968 Refinance Cash-out - Other Primary 3/XX/2005 GA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264300 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12244898 Missing Document: Missing Final 1003             Provide missing documentation
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12245388 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12245389 Initial Rate Lock rate date is not documented in file.              
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245579 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245580 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245581 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245582 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350152 Refinance Cash-out - Other Primary 5/XX/2005 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245583 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354309 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12244978 Missing Document: Missing Final 1003             Provide missing documentation
1354309 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245289 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1354309 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245293 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354309 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245318 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354309 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12245339 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354309 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12245342 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354309 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12245343 Initial Rate Lock rate date is not documented in file.              
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12245453 Missing Document: Missing Final 1003             Provide missing documentation
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12246021 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   3 12246022 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12246023 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12246024 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12246025 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12246036 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12246066 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12246070 Initial Rate Lock rate date is not documented in file.              
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263878 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350955 Refinance Cash-out - Other Primary 11/XX/2006 GA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263879 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12246158 Missing Document: Missing Final 1003             Provide missing documentation
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12246325 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12246327 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12246328 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12246331 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12246336 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12246340 Initial Rate Lock rate date is not documented in file.              
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264058 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264059 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351514 Refinance Cash-out - Other Primary 8/XX/2007 GA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264060 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12247002 Missing Document: Missing Final 1003             Provide missing documentation
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247210 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247211 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247212 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247213 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12247232 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12247235 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352291 Refinance Cash-out - Other Primary 2/XX/2008 GA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12247236 Initial Rate Lock rate date is not documented in file.              
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12247653 Missing Document: Missing Final 1003             Provide missing documentation
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247821 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247825 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247827 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247828 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12247829 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12247834 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12247841 Initial Rate Lock rate date is not documented in file.              
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12247851 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264678 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1350533 Refinance Cash-out - Other Primary 5/XX/2007 DC $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264679 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12248548 Missing Document: Missing Final 1003             Provide missing documentation
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12248642 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12248644 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12248645 Initial Rate Lock rate date is not documented in file.              
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248650 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248651 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248652 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248655 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264917 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12264918 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353917 Refinance Cash-out - Other UTD 11/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12264919 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12248693 Missing Document: Missing Final 1003             Provide missing documentation
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12248713 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12248715 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12248716 Initial Rate Lock rate date is not documented in file.              
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248735 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248736 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248737 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1354304 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248738 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350987 UTD UTD Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12248823 Missing Document: Missing Final 1003             Provide missing documentation
1350987 UTD UTD Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12248866 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350987 UTD UTD Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12248897 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350987 UTD UTD Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12248898 Initial Rate Lock rate date is not documented in file.              
1350987 UTD UTD Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248930 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350987 UTD UTD Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12248933 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350987 UTD UTD Primary 12/XX/2006 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12265067 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12248755 Missing Document: Missing Final 1003             Provide missing documentation
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12248971 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12248972 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12248974 Initial Rate Lock rate date is not documented in file.              
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249003 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249005 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12265027 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12265072 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12265073 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350349 Refinance Cash-out - Other UTD 2/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12265074 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12248863 Missing Document: Missing Final 1003             Provide missing documentation
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12249016 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12249019 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12249023 Initial Rate Lock rate date is not documented in file.              
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249063 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249064 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249065 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350371 Refinance Cash-out - Other Primary 8/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249066 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12248983 Missing Document: Missing Final 1003             Provide missing documentation
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12249215 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12249226 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12249229 Initial Rate Lock rate date is not documented in file.              
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249244 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249245 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249246 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249247 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249248 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354710 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249249 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12249166 Missing Document: Missing Final 1003             Provide missing documentation
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12249578 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12249583 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12249585 Initial Rate Lock rate date is not documented in file.              
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249608 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249611 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249613 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249614 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12265614 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1353346 Refinance Cash-out - Other UTD 11/XX/2007 MD $XXX Loan Review Complete 06/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12265620 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12248970 Missing Document: Missing Final 1003             Provide missing documentation
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12249436 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12249438 Initial Rate Lock rate date is not documented in file.              
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12249475 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249477 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249478 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249480 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249483 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12265521 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12265522 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351177 Refinance Cash-out - Other Primary 1/XX/2008 MD $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12265523 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12249251 Missing Document: Missing Final 1003             Provide missing documentation
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12249337 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12249344 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12249347 Initial Rate Lock rate date is not documented in file.              
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249466 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249467 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.           Provide missing documentation
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12249468 Pennsylvania Subordinate Lien Late Charge Grace Period Testing Note grace period less than minimum per state. Late charge not allowed per state (PA) for second lien - minimum days past due on second lien for PA is 15. Note state 10.          
1355500 Refinance Cash-out - Other Primary 8/XX/2003 PA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12249469 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12249463 Missing Document: Missing Final 1003             Provide missing documentation
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12249674 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12249685 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12249688 Initial Rate Lock rate date is not documented in file.              
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266445 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266446 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266447 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266448 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   3 12266449 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1350227 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266450 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12249928 Missing Document: Missing Final 1003             Provide missing documentation
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250231 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12250263 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266492 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266493 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12266494 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   3 12266495 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1352458 UTD UTD Primary 11/XX/2006 NJ $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12266496 Initial Rate Lock rate date is not documented in file.              
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12249515 Missing Document: Missing Final 1003             Provide missing documentation
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12249913 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12249919 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12249920 Initial Rate Lock rate date is not documented in file.              
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250023 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250024 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250026 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250028 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/13/2019 Document Error General Credit Open   3 12266815 Escrow Type is unknown.              
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12266817 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   3 12266818 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1352144 Refinance Cash-out - Other Primary 9/XX/2002 MI $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12266819 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12250041 Missing Document: Missing Final 1003             Provide missing documentation
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12250329 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12250332 Initial Rate Lock rate date is not documented in file.              
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250375 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12250379 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250382 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250383 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250385 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12250387 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351543 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 06/13/2019 Loan Package Documentation Application / Processing Credit Open   3 12266996 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12250273 Missing Document: Missing Final 1003             Provide missing documentation
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12250855 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12250860 Initial Rate Lock rate date is not documented in file.              
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251043 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251044 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251045 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251046 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251049 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351628 Refinance UTD Primary 12/XX/2005 MI $XXX Loan Review Complete 06/13/2019 Compliance State Compliance Compliance Open   2 12266810 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information. Sixteen (16) day grace period and 5% for the late charge conforms with no limit per state (MI) Regs.          
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12249867 Missing Document: Missing Final 1003             Provide missing documentation
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12250613 Initial Rate Lock rate date is not documented in file.              
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12250636 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250784 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250786 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12250787 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information. 5% late charge may exceed the 5% or $15 maximum late charge allowed per state MI.          
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267013 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267015 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352661 Refinance Cash-out - Other Primary 8/XX/2004 MI $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267016 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12250678 Missing Document: Missing Final 1003             Provide missing documentation
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Closing / Title Compliance Open   2 12250818 Note Error: Note grace period days less than minimum per state   10 days grace period is less than the 15 days minimum per state of MO.          
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12250825 Initial Rate Lock rate date is not documented in file.              
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12250827 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12250839 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251059 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12251063 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251064 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251065 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12251066 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period is less than the 15 days minimum per state of MO.          
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12251067 Missouri Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251068 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12266993 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353650 Refinance UTD Primary 1/XX/2006 MO $XXX Loan Review Complete 06/13/2019 Document Error General Credit Open   3 12266995 Escrow Type is unknown.              
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12251146 Missing Document: Missing Final 1003             Provide missing documentation
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251452 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12251455 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251458 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251459 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251460 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12251462 Missouri Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251463 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12251512 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12251537 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Document Error General Credit Open   3 12251540 Escrow Type is unknown.              
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12251543 Initial Rate Lock rate date is not documented in file.              
1351905 Refinance UTD Primary 5/XX/2006 MO $XXX Loan Review Complete 06/13/2019 Compliance State Compliance Compliance Open   2 12267020 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12251246 Missing Document: Missing Final 1003             Provide missing documentation
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Closing / Title Compliance Open   2 12251306 Note Error: Note grace period days less than minimum per state   10 day grace period less than 15 day minimum per state (MO)          
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12251336 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12251337 Initial Rate Lock rate date is not documented in file.              
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251578 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/12/2019 Compliance State Compliance Compliance Open   2 12251579 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/13/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12267037 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267077 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267078 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267079 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350065 Refinance Cash-out - Other Primary 10/XX/2007 MO $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267080 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12250767 Missing Document: Missing Final 1003             Provide missing documentation
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12250883 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12250888 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12250890 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12250893 Initial Rate Lock rate date is not documented in file.              
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250920 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250922 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12250923 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267097 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351660 UTD UTD UTD 3/XX/2004 AR $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267098 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12250856 Missing Document: Missing Final 1003             Provide missing documentation
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12251378 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12251390 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12251394 Initial Rate Lock rate date is not documented in file.              
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251494 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   3 12251495 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251496 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251497 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251498 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12251499 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353978 Refinance UTD Primary 9/XX/2004 VA $XXX Loan Review Complete 06/13/2019 Document Error General Credit Open   3 12267204 Escrow Type is unknown.              
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12251507 Missing Document: Missing Final 1003             Provide missing documentation
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12252099 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12252105 Initial Rate Lock rate date is not documented in file.              
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252239 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252240 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252242 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/13/2019 Document Error General Credit Open   3 12267288 Escrow Type is unknown.              
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267290 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   3 12267291 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267292 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267293 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353854 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 VA $XXX Loan Review Complete 06/13/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12267295 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354608 Refinance Cash-out - Debt Consolidation Investment 7/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12252175 Missing Document: Missing Final 1003             Provide missing documentation
1354608 Refinance Cash-out - Debt Consolidation Investment 7/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252293 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354608 Refinance Cash-out - Debt Consolidation Investment 7/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252295 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354608 Refinance Cash-out - Debt Consolidation Investment 7/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12252316 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354608 Refinance Cash-out - Debt Consolidation Investment 7/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12252363 Initial Rate Lock rate date is not documented in file.              
1354608 Refinance Cash-out - Debt Consolidation Investment 7/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12252400 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354608 Refinance Cash-out - Debt Consolidation Investment 7/XX/2007 VA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267371 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12251467 Missing Document: Missing Final 1003             Provide missing documentation
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12251945 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12251982 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Credit General Credit Open   3 12251994 Initial Rate Lock rate date is not documented in file.              
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252068 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252070 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252072 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252073 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12252078 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350233 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 06/13/2019 Compliance Federal Compliance Compliance Open   2 12267384 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Loan Package Documentation Application / Processing Credit Open   2 12244453 Missing Document: Missing Final 1003             Provide missing documentation
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Credit General Credit Open   3 12245522 Initial Rate Lock rate date is not documented in file.              
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12245568 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245640 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245641 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2014 used as disbursement date for compliance testing.           Provide missing documentation
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245642 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245644 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/11/2019 Compliance Federal Compliance Compliance Open   2 12245645 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2014, prior to three (3) business days from transaction date of 06/XX/2014.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263586 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263591 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352930 Refinance Cash-out - Other Primary 6/XX/2014 CA $XXX Loan Review Complete 06/12/2019 Compliance Federal Compliance Compliance Open   2 12263596 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Missing 1003          
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12351333 Missing Document: Missing Final 1003             Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Closing / Title Compliance Open   3 12351343 Missing Document: Note - Subject Lien not provided             Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Closing / Title Credit Open   3 12351406 Missing Document: Security Instrument not provided             Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Loan File Compliance Open   3 12351556 (Missing Doc) Incomplete loan images/file   Loan file does not contain any origination documentation matching the tape note date, loan amount, or property city/state. The notes, HUDs, TILs, etc in the file are for properties in Idaho and Virgina, subject property is in Ohio per tape.         Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Application / Processing Compliance Open   2 12351609 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Closing / Title Credit Open   3 12355962 Title: Evidence of title is missing             Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Closing / Title Compliance Open   3 12355968 TILA - Final TIL Missing             Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Closing / Title Compliance Open   3 12355974 Missing Final HUD-1             Provide missing documentation
1352410 UTD UTD UTD       Incomplete File QC Complete 06/19/2019 Loan Package Documentation Application / Processing Credit Open   3 12355986 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1353667 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12350706 Initial Rate Lock rate date is not documented in file.              
1353667 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12350738 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1353667 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12360903 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353667 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12360905 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353667 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12360906 Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.            
1353070 Purchase Primary 8/XX/2006 NH $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12357499 Initial Rate Lock rate date is not documented in file.              
1352910 Purchase Primary 11/XX/2006 GA $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12351595 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
1352633 Purchase Primary 12/XX/2006 OH $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12352482 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
1355584 Refinance Cash-out - Other Primary 12/XX/2006 PA $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12357712 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1355584 Refinance Cash-out - Other Primary 12/XX/2006 PA $XXX Reviewed with Exceptions 06/20/2019 Loan Package Documentation Application / Processing Credit Open   2 12366999 Missing Document: Missing Final 1003             Provide missing documentation
1350880 Purchase Primary 11/XX/2006 AZ $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12351543 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1350880 Purchase Primary 11/XX/2006 AZ $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12351552 Initial Rate Lock rate date is not documented in file.              
1351494 Refinance Cash-out - Other Primary 1/XX/2007 HI $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12351353 Missing Document: Missing Final 1003             Provide missing documentation
1351494 Refinance Cash-out - Other Primary 1/XX/2007 HI $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Closing / Title Credit Open   2 12352063 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
1351494 Refinance Cash-out - Other Primary 1/XX/2007 HI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12352067 Initial Rate Lock rate date is not documented in file.              
1351494 Refinance Cash-out - Other Primary 1/XX/2007 HI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   3 12352110 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
1351494 Refinance Cash-out - Other Primary 1/XX/2007 HI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12352111 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1351494 Refinance Cash-out - Other Primary 1/XX/2007 HI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12352112 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351363 Refinance Rate/Term Primary 1/XX/2007 OH $XXX Reviewed with Exceptions 06/19/2019 Compliance Miscellaneous Compliance Compliance Open   2 12363836 (Doc Error) Initial GFE not provided              
1351363 Refinance Rate/Term Primary 1/XX/2007 OH $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12364010 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1351363 Refinance Rate/Term Primary 1/XX/2007 OH $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12364011 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
1351363 Refinance Rate/Term Primary 1/XX/2007 OH $XXX Reviewed with Exceptions 06/20/2019 Loan Package Documentation Application / Processing Credit Open   2 12369753 Missing Document: Missing Final 1003             Provide missing documentation
1351579 Purchase Primary 1/XX/2007 OH $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12352731 Initial Rate Lock rate date is not documented in file.              
1351579 Purchase Primary 1/XX/2007 OH $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12352815 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12352650 Missing Document: Missing Final 1003             Provide missing documentation
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12357011 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12357013 Initial Rate Lock rate date is not documented in file.              
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12357232 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12357233 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12357235 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12357236 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12357237 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1350674 Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12357238 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Closing / Title Credit Open   2 12353236 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12353270 Initial Rate Lock rate date is not documented in file.              
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12353434 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12353435 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12353436 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12353437 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12353438 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12353439 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $120,291.52 is underdisclosed from calculated Finance Charge of $120,336.52 in the amount of $45.00. TIL itemization did not disclose a recording service fee of $20 and wire fee of $25 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
1351997 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12353440 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353554 Purchase Primary 11/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12353493 Missing Document: Missing Final 1003             Provide missing documentation
1353554 Purchase Primary 11/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12353696 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353554 Purchase Primary 11/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12353737 Initial Rate Lock rate date is not documented in file.              
1355519 Purchase Second Home 3/XX/2007 MO $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355043 Initial Rate Lock rate date is not documented in file.              
1353018 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12353829 Initial Rate Lock rate date is not documented in file.              
1353018 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12353867 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353018 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12353868 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353018 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/20/2019 Compliance Federal Compliance Compliance Open   2 12367110 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $66,712.49 is underdisclosed from calculated Finance Charge of $66,842.54 in the amount of $130.05. TIL itemization did not disclose a wire fee of $25, a closing fee of $75 and an and admin fee of $50 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
1354686 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12353975 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
1354686 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12353976 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
1354686 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12353977 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1352073 Purchase Primary 10/XX/2006 AZ $XXX Reviewed with Exceptions 06/19/2019 Compliance Miscellaneous Compliance Compliance Open   2 12354049 (Doc Error) Initial GFE not provided              
1352073 Purchase Primary 10/XX/2006 AZ $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355190 Initial Rate Lock rate date is not documented in file.              
1352073 Purchase Primary 10/XX/2006 AZ $XXX Reviewed with Exceptions 06/20/2019 Loan Package Documentation Application / Processing Credit Open   2 12367211 Missing Document: Missing Final 1003             Provide missing documentation
1355406 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12354698 Initial Rate Lock rate date is not documented in file.              
1355406 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12354766 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1355406 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12354767 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
1355406 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12354768 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1354109 Refinance Rate/Term Primary 12/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355610 Initial Rate Lock rate date is not documented in file.              
1354109 Refinance Rate/Term Primary 12/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12355657 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354109 Refinance Rate/Term Primary 12/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12356076 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352355 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12355347 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352355 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355353 Initial Rate Lock rate date is not documented in file.              
1352355 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12356023 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352355 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12356024 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
1352355 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12356025 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
1352355 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12356026 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1351227 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Reviewed with Exceptions 06/19/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12360137 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351227 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12360139 Initial Rate Lock rate date is not documented in file.              
1351227 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12360183 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355104 Purchase Primary 6/XX/2006 OH $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355146 Initial Rate Lock rate date is not documented in file.              
1355104 Purchase Primary 6/XX/2006 OH $XXX Reviewed with Exceptions 06/20/2019 Loan Package Documentation Application / Processing Credit Open   3 12367492 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1350546 Refinance Cash-out - Other Primary 9/XX/2006 MO $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12355263 Missing Document: Missing Final 1003             Provide missing documentation
1350546 Refinance Cash-out - Other Primary 9/XX/2006 MO $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12355581 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1350546 Refinance Cash-out - Other Primary 9/XX/2006 MO $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355828 Initial Rate Lock rate date is not documented in file.              
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Miscellaneous Compliance Compliance Open   2 12355827 (Doc Error) Initial GFE not provided              
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/19/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12355913 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355916 Initial Rate Lock rate date is not documented in file.              
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12356128 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12356129 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12356130 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12356131 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1355514 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MI $XXX Reviewed with Exceptions 06/20/2019 Loan Package Documentation Application / Processing Credit Open   3 12367749 Missing Valuation:   Appraisal not provided.         Provide missing documentation
1351954 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12355837 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
1351954 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12355838 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
1351954 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12355839 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1351529 Purchase Primary 6/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12357694 Initial Rate Lock rate date is not documented in file.              
1351529 Purchase Primary 6/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12357873 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1351966 Purchase Primary 10/XX/2004 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Miscellaneous Compliance Compliance Open   2 12355004 (Doc Error) Initial GFE not provided              
1351966 Purchase Primary 10/XX/2004 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355019 Initial Rate Lock rate date is not documented in file.              
1351966 Purchase Primary 10/XX/2004 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12355129 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1351966 Purchase Primary 10/XX/2004 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12355130 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $32,222.98 is underdisclosed from calculated Finance Charge of $32,359.93 in the amount of $136.95. TIL itemization of amount financed did not disclose the $50 Email Fee, the $15 Flood Cert Fee or the $72 Tax Service Fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
1351638 Purchase Primary 9/XX/2004 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12355583 Initial Rate Lock rate date is not documented in file.              
1355208 Purchase Primary 8/XX/2004 OH $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12356839 Missing Document: Missing Final 1003             Provide missing documentation
1355208 Purchase Primary 8/XX/2004 OH $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Closing / Title Compliance Open   2 12359682 (Doc Error) TIL Error: Borrower signature not dated.              
1355208 Purchase Primary 8/XX/2004 OH $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12359729 Initial Rate Lock rate date is not documented in file.              
1354318 Purchase Primary 11/XX/2005 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12356039 Initial Rate Lock rate date is not documented in file.              
1354318 Purchase Primary 11/XX/2005 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12356066 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1354409 Purchase Primary 7/XX/2004 AL $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12356139 Missing Document: Missing Final 1003             Provide missing documentation
1354409 Purchase Primary 7/XX/2004 AL $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12357400 Initial Rate Lock rate date is not documented in file.              
1353991 Refinance Rate/Term Primary 7/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12358225 Initial Rate Lock rate date is not documented in file.              
1353991 Refinance Rate/Term Primary 7/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12358736 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1353991 Refinance Rate/Term Primary 7/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12358737 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353991 Refinance Rate/Term Primary 7/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12358738 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353991 Refinance Rate/Term Primary 7/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12358739 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1353991 Refinance Rate/Term Primary 7/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12358740 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
1351889 Purchase Second Home 4/XX/2006 CO $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12357848 Initial Rate Lock rate date is not documented in file.              
1351889 Purchase Second Home 4/XX/2006 CO $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12357887 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351889 Purchase Second Home 4/XX/2006 CO $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12357888 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
1351456 Purchase Second Home 8/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12357398 Initial Rate Lock rate date is not documented in file.              
1351456 Purchase Second Home 8/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12357451 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353635 Refinance Cash-out - Other Primary 4/XX/2006 MO $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12358058 Initial Rate Lock rate date is not documented in file.              
1353635 Refinance Cash-out - Other Primary 4/XX/2006 MO $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12358249 Missing Document: Missing Final 1003             Provide missing documentation
1353635 Refinance Cash-out - Other Primary 4/XX/2006 MO $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12359007 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1353635 Refinance Cash-out - Other Primary 4/XX/2006 MO $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12359024 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $47,899.19 is underdisclosed from calculated Finance Charge of $48,024.09 in the amount of $124.90. TIL itemization did not disclose a closing protection letter of $125 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
1354171 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12359345 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354171 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12359355 Initial Rate Lock rate date is not documented in file.              
1354171 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12359399 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
1354171 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12359400 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
1354171 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Reviewed with Exceptions 06/19/2019 Compliance State Compliance Compliance Open   2 12359401 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
1354171 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 MI $XXX Reviewed with Exceptions 06/20/2019 Compliance Federal Compliance Compliance Open   2 12369207 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350350 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12358925 Initial Rate Lock rate date is not documented in file.              
1350350 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12359358 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1350350 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12359360 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
1350350 Purchase Primary 11/XX/2006 FL $XXX Reviewed with Exceptions 06/20/2019 Compliance Federal Compliance Compliance Open   2 12369543 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
1350079 Purchase Primary 9/XX/2005 AZ $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12359379 Initial Rate Lock rate date is not documented in file.              
1350079 Purchase Primary 9/XX/2005 AZ $XXX Reviewed with Exceptions 06/20/2019 Loan Package Documentation Application / Processing Credit Open   2 12369490 Missing Document: Missing Final 1003             Provide missing documentation
1355031 Refinance Cash-out - Other Primary 4/XX/2006 NV $XXX Reviewed with Exceptions 06/19/2019 Loan Package Documentation Application / Processing Credit Open   2 12358401 Missing Document: Missing Final 1003             Provide missing documentation
1355031 Refinance Cash-out - Other Primary 4/XX/2006 NV $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12359978 Initial Rate Lock rate date is not documented in file.              
1355031 Refinance Cash-out - Other Primary 4/XX/2006 NV $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12360099 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1354588 Purchase Primary 6/XX/2006 MD $XXX Reviewed with Exceptions 06/19/2019 Credit General Credit Open   3 12359467 Initial Rate Lock rate date is not documented in file.              
1354588 Purchase Primary 6/XX/2006 MD $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12359476 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1354588 Purchase Primary 6/XX/2006 MD $XXX Reviewed with Exceptions 06/19/2019 Compliance Federal Compliance Compliance Open   2 12359501 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354137 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 OR $XXX Reviewed with Exceptions 06/20/2019 Compliance State Compliance Compliance Open   2 12370214 Oregon Prepayment Penalty Max Prepay Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. PPP expired. Prepayment for 36 months and 5/4/3% verified on note. Lender is XXX.          
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622109 Missing Document: Missing Final 1003             Provide missing documentation
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622110 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622111 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622112 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622113 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622114 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008.           Provide missing documentation
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622115 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622116 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622117 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352726 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622118 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2008, prior to three (3) business days from transaction date of 11/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622193 Missing Document: Missing Final 1003             Provide missing documentation
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622194 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622195 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622196 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622197 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622198 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622199 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622200 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622201 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1353295 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622202 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622252 Missing Document: Missing Final 1003             Provide missing documentation
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12622253 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622254 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622255 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622256 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622257 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622258 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622259 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622260 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351281 UTD UTD UTD 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622261 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622270 Missing Document: Missing Final 1003             Provide missing documentation
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622271 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622272 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622273 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622274 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622275 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622276 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622277 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622278 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352714 Refinance UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622279 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622383 Missing Document: Missing Final 1003             Provide missing documentation
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622384 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622385 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622386 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622387 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622388 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622389 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622390 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622391 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622392 South Carolina Home Loan (No Tangible Net Benefit) Unable to test tangible net benefit due to missing information.            
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622393 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350159 Refinance Cash-out - Other Primary 1/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622394 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622405 Missing Document: Missing Final 1003             Provide missing documentation
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622406 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622407 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622408 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622409 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622410 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622411 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622412 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12622413 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12622414 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622416 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12622417 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 5.75% and margin is 0.00%. This equates to an initial rate of 5.75%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 5.75%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 5.75%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351920 Refinance Cash-out - Other Primary 4/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622418 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622430 Missing Document: Missing Final 1003             Provide missing documentation
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622431 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622432 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622433 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622434 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622435 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622436 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622437 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622438 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state.            
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622439 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352674 UTD UTD Primary 9/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622440 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622452 Missing Document: Missing Final 1003             Provide missing documentation
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622453 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622454 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622455 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622456 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622457 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622458 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622459 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622460 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352412 Refinance Cash-out - Other Primary 12/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622461 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622548 Missing Document: Missing Final 1003             Provide missing documentation
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622549 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622550 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622551 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622552 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12622553 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.25% and margin is 2.74%. This equates to an initial rate of 10.99%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 10.99%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 10.99%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622554 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622555 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622556 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622557 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622558 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622559 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351070 Refinance Cash-out - Other Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622560 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622561 Missing Document: Missing Final 1003             Provide missing documentation
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622562 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622563 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622564 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622565 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622566 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622567 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622568 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622569 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355237 Refinance UTD Primary 8/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622570 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622571 Missing Document: Missing Final 1003             Provide missing documentation
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622572 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622573 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12622574 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622575 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622576 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622577 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622578 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622579 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622580 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622581 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350484 Refinance Cash-out - Other UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622582 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622604 Missing Document: Missing Final 1003             Provide missing documentation
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622605 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622606 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622607 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622608 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622609 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622610 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622611 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622612 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355103 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622613 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622697 Missing Document: Missing Final 1003             Provide missing documentation
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622698 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622699 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622700 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622701 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622702 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622703 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350314 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622704 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622769 Missing Document: Missing Final 1003             Provide missing documentation
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622770 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622771 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622772 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622773 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622774 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622775 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352527 Refinance Rate/Term Primary 5/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622776 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622787 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622788 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622789 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622790 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622791 Missing Document: Missing Final 1003             Provide missing documentation
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622792 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622793 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622794 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622795 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350104 UTD UTD Primary 7/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622796 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622882 Missing Document: Missing Final 1003             Provide missing documentation
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622883 Title Evidence is not a standard policy. Title Evidence: Attorney Opinion            
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622884 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622885 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622886 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622887 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622888 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622889 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622890 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622891 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1353201 UTD UTD Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622892 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12622958 Missing Document: Missing Final 1003             Provide missing documentation
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12622959 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12622960 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622961 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622962 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622963 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622964 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622965 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12622966 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354848 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12622967 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623087 Missing Document: Missing Final 1003             Provide missing documentation
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623088 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623089 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623090 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623091 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623092 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623093 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623094 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623095 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623096 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1350147 Refinance UTD Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623097 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623144 Missing Document: Missing Final 1003             Provide missing documentation
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623145 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623146 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623147 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623148 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623149 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623150 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353883 UTD UTD Primary 9/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623151 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623164 Missing Document: Missing Final 1003             Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623165 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623166 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623167 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623168 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002.           Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623169 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623170 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623171 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623172 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623173 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350044 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623174 New York Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623245 Missing Document: Missing Final 1003             Provide missing documentation
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623246 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623247 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623248 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002.           Provide missing documentation
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623249 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 Day grace period is less than required 15 days per NY law          
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623250 New York Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623251 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623252 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352585 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623253 Final Title Policy is missing. No evidence of title in file.   The file does not contain either Preliminary or Final Title Policy         Provide missing documentation
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623329 Missing Document: Missing Final 1003             Provide missing documentation
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623330 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623331 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623332 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623333 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623334 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623335 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623336 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623337 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623338 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623339 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%.          
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623340 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623341 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1352226 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623342 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623343 Missing Document: Missing Final 1003             Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12623344 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Closing Instructions and Disbursement Agreement signed by Borrower. Exception cleared.  
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 04/23/2019 1 12623345 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.         (2019-07-12): Acknowledgment of receipt included in HELOC Agreement. Exception cleared. Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 04/23/2019 1 12623346 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.         (2019-07-12): Acknowledgment of receipt included in HELOC Agreement. Exception cleared. Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12623347 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.         (2019-07-12): Evidence of no fees paid by borrower per Closing Instructions and Disbursement Agreement signed by Borrower. Exception cleared.  
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623348 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12623349 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception replaced with one with fees. Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623350 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623351 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623352 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623353 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623354 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12623355 Unable to determine the # of units, compliance results were generated using a defaulted value. Valuation Type: Stated / Valuation Report Date: 03/XX/2005            
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12623356 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12623357 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623358 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1353990 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623359 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623410 Missing Document: Missing Final 1003             Provide missing documentation
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623411 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623412 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12623413 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623414 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623415 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623416 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12623417 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page 4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" (the Note) which states that initial index is 8.00% and margin is 0.74%. This equates to an initial rate of 8.74%. The Note also states that APR is 8.74%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.74%. In addition, the Note also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623418 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623419 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623420 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623421 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623422 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351389 Refinance Cash-out - Other UTD 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623423 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623424 Missing Document: Missing Final 1003             Provide missing documentation
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623425 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623426 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623427 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623428 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623429 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623430 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623431 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623432 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623433 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623434 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1352251 Refinance Cash-out - Other Primary 8/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623435 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623455 Missing Document: Missing Final 1003             Provide missing documentation
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623456 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623457 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623458 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623459 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623460 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623461 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623462 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623463 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623464 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623465 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352572 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623466 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623551 Missing Document: Missing Final 1003             Provide missing documentation
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623552 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623553 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623554 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623555 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623556 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623557 New York Late Charge Grace Period Testing Note grace period less than minimum per state. verified- NY 15 days , this loan at 10 days          
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623558 New York Late Charge Percent Testing Note late charge exceeds maximum per state. verified- exceeds NY max 2%, this loan at 5%          
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623559 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350638 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623560 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623562 Missing Document: Missing Final 1003             Provide missing documentation
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623563 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623564 Final Title Policy is missing. No evidence of title in file.   Files does not contain either preliminary or Final Title.         Provide missing documentation
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623565 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623566 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623567 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623568 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623569 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623570 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY).          
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623571 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1352299 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623572 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623573 Missing Document: Missing Final 1003             Provide missing documentation
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623574 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623575 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623576 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623577 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623578 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623579 New York Late Charge Grace Period Testing Note grace period less than minimum per state. File does not contain either Preliminary or Final Title.          
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623580 New York Late Charge Percent Testing Note late charge exceeds maximum per state. The late fee consisting of the greater of $10 or 5% of the over due payment excdeeds the maximum 2% of the over due payment allowed by the state of NY.          
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623581 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351849 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623582 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623583 Missing Document: Missing Final 1003             Provide missing documentation
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623584 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623585 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623586 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623587 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period not allowed per state (NY) - min grace period for NY is 15 days - note states 10 days.          
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623588 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%.          
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623589 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623590 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623591 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350428 UTD UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623592 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623610 Missing Document: Missing Final 1003             Provide missing documentation
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623611 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623612 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623613 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623614 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623615 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623616 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623617 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623618 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state (NY).          
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623619 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state (NY).          
1350433 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623620 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623621 Missing Document: Missing Final 1003             Provide missing documentation
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623622 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623623 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623624 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623625 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than minimum 15 days required in the state of NY.          
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623626 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum for the state of NY.          
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623627 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623628 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623629 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355437 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623630 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623655 Missing Document: Missing Final 1003             Provide missing documentation
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623656 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623657 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623658 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623659 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623660 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12623661 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12623662 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12623663 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Exception cleared.  
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12623664 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): This loan closed under the XXX Equity Maximizer program which is an open-end line of credit (HELOC). For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Please note the initial disclosure was not required to be signed and indicates the Bank will pay all closing costs up to $500,000 with some exceptions.   (2019-07-12): Exception cleared.  
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12623665 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1352845 Refinance Cash-out - Other Primary 2/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623666 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623717 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623718 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623719 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623720 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than minimum 15 days required in the state of NY.          
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623721 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum for the state of NY.          
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623722 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623723 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12623724 Missing Document: Security Instrument not provided             Provide missing documentation
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623725 Missing Document: Missing Final 1003             Provide missing documentation
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623726 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623727 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623728 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350961 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623729 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623768 Missing Document: Missing Final 1003             Provide missing documentation
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623769 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12623770 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623771 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623772 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623773 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623774 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623775 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623776 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623777 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623778 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623779 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623780 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354264 UTD UTD UTD 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623781 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623827 Missing Document: Missing Final 1003             Provide missing documentation
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623828 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623829 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623830 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623831 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623832 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623833 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623834 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623835 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623836 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623837 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623838 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623839 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351651 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623840 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623854 Missing Document: Missing Final 1003             Provide missing documentation
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623855 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623856 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623857 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623858 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623859 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623860 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623861 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623862 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623863 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623864 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353248 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623865 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623866 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623867 Missing Document: Missing Final 1003             Provide missing documentation
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623868 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623869 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623870 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623871 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623872 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state of New York          
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623873 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state of New York          
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623874 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623875 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623876 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352779 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623877 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623878 Missing Document: Missing Final 1003             Provide missing documentation
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623879 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12623880 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623881 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623882 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623883 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623884 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623885 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623886 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623887 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623888 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623889 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623890 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623891 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1354182 UTD UTD UTD 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623892 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623917 Missing Document: Missing Final 1003             Provide missing documentation
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623918 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623919 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623920 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623921 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623922 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623923 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623924 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623925 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623926 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623927 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623928 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350697 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623929 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623930 Missing Document: Missing Final 1003             Provide missing documentation
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623931 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623932 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623933 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623934 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623935 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623936 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623937 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623938 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623939 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623940 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623941 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623942 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623943 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623944 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623945 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1353289 UTD UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623946 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623947 Missing Document: Missing Final 1003             Provide missing documentation
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623948 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623949 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623950 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623951 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623952 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623953 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623954 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623955 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351693 UTD UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623956 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623957 Missing Document: Missing Final 1003             Provide missing documentation
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623958 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623959 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623960 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623961 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623962 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623963 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623964 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623965 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state - NY.          
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623966 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state - NY.          
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623967 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1355502 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623968 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12623983 Missing Document: Missing Final 1003             Provide missing documentation
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12623984 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12623985 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623986 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623987 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623988 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623989 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623990 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12623991 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353038 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12623992 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624018 Missing Document: Missing Final 1003             Provide missing documentation
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624019 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624020 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624021 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624022 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624023 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624024 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624025 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12624026 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Note grace period of 10 days less than 15 day minimum per state, NY.          
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12624027 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Note late charge of 5% exceeds 2% maximum allowed per state, NY.          
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624028 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1350933 Refinance UTD Primary 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624029 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624044 Missing Document: Missing Final 1003             Provide missing documentation
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624045 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624046 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624047 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624048 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624049 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624050 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624051 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12624052 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state of New York          
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12624053 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state of New York          
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624054 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624055 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624056 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
1350651 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624057 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2008, prior to three (3) business days from transaction date of 07/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624134 Missing Document: Missing Final 1003             Provide missing documentation
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624135 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624136 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624137 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624138 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624139 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624140 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624141 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352339 Refinance UTD Primary 11/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624142 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12624143 Missing Document: Security Instrument not provided   Please provide a copy of the Security Instrument         Provide missing documentation
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624144 Missing Document: Missing Final 1003   Please provide a fully executed copy of the Final 1003         Provide missing documentation
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624145 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624146 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624147 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624148 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624149 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624150 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624151 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351533 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624152 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12624163 Missing Document: Security Instrument not provided             Provide missing documentation
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624164 Missing Document: Missing Final 1003             Provide missing documentation
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624165 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624166 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624167 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624168 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624169 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624170 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351181 Refinance Cash-out - Other Primary 8/XX/2005 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624171 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1353187 Refinance Cash-out - Other Primary 2/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624187 Missing Document: Missing Final 1003             Provide missing documentation
1353187 Refinance Cash-out - Other Primary 2/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624188 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353187 Refinance Cash-out - Other Primary 2/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624189 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353187 Refinance Cash-out - Other Primary 2/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624190 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353187 Refinance Cash-out - Other Primary 2/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624191 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353187 Refinance Cash-out - Other Primary 2/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624192 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1353187 Refinance Cash-out - Other Primary 2/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624193 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624206 Missing Document: Missing Final 1003             Provide missing documentation
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624207 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624209 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624210 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624211 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624212 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624213 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624214 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624215 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624216 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354152 Refinance Cash-out - Other Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624217 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624227 Missing Document: Missing Final 1003             Provide missing documentation
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12624228 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624229 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624230 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624231 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624232 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624233 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624234 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624235 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624236 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624237 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352481 Refinance Cash-out - Other UTD 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624238 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624265 Missing Document: Missing Final 1003             Provide missing documentation
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624266 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624267 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624268 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624269 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624270 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624271 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353996 Refinance UTD Primary 6/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624272 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624273 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624274 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624275 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624276 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624277 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624278 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624279 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624280 Missing Document: Missing Final 1003             Provide missing documentation
1353047 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624281 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1350716 Refinance Cash-out - Other Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624282 Missing Document: Missing Final 1003             Provide missing documentation
1350716 Refinance Cash-out - Other Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624283 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350716 Refinance Cash-out - Other Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624284 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350716 Refinance Cash-out - Other Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624285 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350716 Refinance Cash-out - Other Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624286 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1350716 Refinance Cash-out - Other Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624287 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350716 Refinance Cash-out - Other Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624289 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624291 Missing Document: Missing Final 1003             Provide missing documentation
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624292 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624293 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624294 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624295 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624296 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624297 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355051 UTD UTD Primary 1/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624300 Missing Document: Missing Final 1003             Provide missing documentation
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624301 Final Title Policy is missing. No evidence of title in file.   Missing Final Title .         Provide missing documentation
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624302 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Missing appraisal.          
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624303 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624304 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624305 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624306 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350375 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624307 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624308 Missing Document: Missing Final 1003             Provide missing documentation
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624309 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624310 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624311 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624312 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624313 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624314 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624315 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624316 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624317 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351018 Refinance Cash-out - Other Primary 2/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624318 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624319 Missing Document: Missing Final 1003             Provide missing documentation
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624320 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624321 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624322 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624323 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624324 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624325 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624326 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352509 Refinance Cash-out - Other Primary 3/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624327 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624328 Missing Document: Missing Final 1003             Provide missing documentation
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624329 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624330 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624331 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624332 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624333 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624334 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624335 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1352549 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624336 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624337 Missing Document: Missing Final 1003             Provide missing documentation
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624338 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624339 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624340 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624341 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624342 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624343 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353891 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624344 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624345 Missing Document: Missing Final 1003             Provide missing documentation
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624346 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624347 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624348 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624349 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624350 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624351 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624352 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624353 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351794 Refinance Cash-out - Other Primary 7/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624354 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624355 Missing Document: Missing Final 1003             Provide missing documentation
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624356 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624357 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624358 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624359 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624360 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624361 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624362 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624363 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624364 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352989 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624365 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624366 Missing Document: Missing Final 1003             Provide missing documentation
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624367 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624368 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624369 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624370 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624371 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624372 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624373 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354470 Refinance Cash-out - Other Primary 10/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624374 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624415 Missing Document: Missing Final 1003             Provide missing documentation
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624416 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624417 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624418 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624419 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624420 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624421 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624422 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355482 UTD UTD Primary 2/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624423 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624442 Missing Document: Missing Final 1003             Provide missing documentation
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624443 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624444 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624445 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624446 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624447 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624448 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624449 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ)          
1352857 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624450 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351655 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624540 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351655 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624541 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351655 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624542 Missing Document: Missing Final 1003             Provide missing documentation
1351655 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624543 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351655 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624544 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351655 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624545 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351655 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624546 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624547 Missing Document: Missing Final 1003             Provide missing documentation
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624548 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624549 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624550 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624551 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624552 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624553 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624554 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624555 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624556 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624557 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353234 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624558 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354091 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624612 Missing Document: Missing Final 1003             Provide missing documentation
1354091 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624613 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354091 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624614 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354091 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624615 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354091 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624616 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354091 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624617 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1354091 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624618 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624639 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624640 Missing Document: Missing Final 1003             Provide missing documentation
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624641 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624642 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624643 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624644 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624645 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624646 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624647 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624648 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353096 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624649 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624650 Missing Document: Missing Final 1003             Provide missing documentation
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624651 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624652 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624653 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624654 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624655 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624656 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624657 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624658 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624659 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624660 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1354930 UTD UTD Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624661 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624684 Missing Document: Missing Final 1003             Provide missing documentation
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624685 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624686 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624687 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624688 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624689 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624690 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 days minimum per state (NJ).          
1353638 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624691 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624702 Missing Document: Missing Final 1003             Provide missing documentation
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624703 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624704 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624705 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624706 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624707 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624708 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624709 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624710 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624711 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624712 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1354565 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624713 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624735 Missing Document: Missing Final 1003             Provide missing documentation
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624736 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624737 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624738 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624739 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624740 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624741 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624742 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354650 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624743 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624744 Missing Document: Missing Final 1003             Provide missing documentation
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624745 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624746 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624747 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624748 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624749 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624750 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624751 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624752 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355143 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624753 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624760 Missing Document: Missing Final 1003             Provide missing documentation
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624761 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624762 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624763 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624764 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624765 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624766 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624767 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624768 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624769 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352858 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624770 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624785 Missing Document: Missing Final 1003             Provide missing documentation
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624786 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624787 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624788 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624789 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624790 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624791 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624792 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624793 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624794 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ)          
1353259 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624795 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624810 Missing Document: Missing Final 1003             Provide missing documentation
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624811 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624812 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624813 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624814 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624815 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624816 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624817 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624818 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624819 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624820 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624821 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352230 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624822 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624834 Missing Document: Missing Final 1003             Provide missing documentation
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624835 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624836 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624837 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624838 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624839 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624840 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624841 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624842 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624843 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the state of NJ minimum grace period of 15 days.          
1351656 Refinance Cash-out - Other Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624844 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624845 Missing Document: Missing Final 1003             Provide missing documentation
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624846 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624847 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624848 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624849 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624850 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624851 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624852 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624853 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624854 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624855 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352526 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624856 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624857 Missing Document: Missing Final 1003             Provide missing documentation
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624858 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624859 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624860 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624861 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624862 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624863 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624864 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624865 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624866 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624867 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351853 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624868 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354578 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624869 Missing Document: Missing Final 1003             Provide missing documentation
1354578 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624870 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354578 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624871 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354578 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624872 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354578 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624873 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354578 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624874 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1354578 Refinance Cash-out - Other Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624875 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 5% late charge exceeds 4% maximum per state (NJ)          
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624928 Missing Document: Missing Final 1003             Provide missing documentation
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624929 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624930 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624931 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624932 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624933 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624934 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624935 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624936 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354682 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624937 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624938 Missing Document: Missing Final 1003             Provide missing documentation
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624939 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624940 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624941 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624942 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624943 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Grace period min not allowed per state (NJ) - min grace period for NJ is 15 days - note states 10          
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624944 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624945 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624946 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1355148 Refinance Cash-out - Other Primary 2/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624947 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624957 Missing Document: Missing Final 1003             Provide missing documentation
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624958 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624959 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624960 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624961 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624962 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624963 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624964 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624965 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354668 Refinance UTD Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624966 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624967 Missing Document: Missing Final 1003             Provide missing documentation
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624968 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Late charge grace period of 10 days does not meet New Jersey state requirements of 15 days.          
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624969 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624970 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624971 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624972 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624973 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624974 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624975 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624976 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1354850 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624977 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12624978 Missing Document: Missing Final 1003             Provide missing documentation
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12624979 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624980 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12624981 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624982 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624983 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12624984 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624985 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624986 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1351746 Refinance UTD Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12624987 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625045 Missing Document: Missing Final 1003             Provide missing documentation
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625046 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625047 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625048 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625049 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625050 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625051 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625052 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351809 Refinance UTD Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625053 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625081 Missing Document: Missing Final 1003             Provide missing documentation
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625082 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625083 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625084 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625085 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625086 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625087 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625089 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. Lender is XXX, N.A., therefore exempt from regulation.          
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625090 Rhode Island Home Loan (High Cost Analysis Not In File) Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. Lender is XXX, N.A., therefore exempt from regulation.          
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625091 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. Lender is XXX, N.A., therefore exempt from regulation.          
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 05/29/2019 1 12625092 (Missing Data) Last Transaction Date Last Transaction Date Missing. Unable to conclusively determine if loan is subject to Rhode Island Tangible Net Benefit         (2019-07-12): TNB is cash out to borrower so missing last trans date is irrelevant. Exception cleared. Provide missing documentation
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 05/29/2019 1 12625093 Rhode Island Tangible Net Benefit Testing Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.         (2019-07-12): TNB is cash out to borrower so missing last trans date is irrelevant. Exception cleared.  
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12625094 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
1354142 Refinance Cash-out - Other Primary 10/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625095 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625167 Missing Document: Missing Final 1003             Provide missing documentation
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625168 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625169 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625170 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625171 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625172 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625173 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.           Provide missing documentation
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625174 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352158 Refinance Cash-out - Other Primary 6/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625175 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625223 Missing Document: Missing Final 1003             Provide missing documentation
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625224 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625225 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625226 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625227 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625228 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625229 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625230 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351999 Refinance UTD Primary 6/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625231 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625242 Missing Document: Missing Final 1003             Provide missing documentation
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625243 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625244 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625245 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625246 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625247 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625248 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354344 Refinance Cash-out - Other Primary 9/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625249 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625250 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625251 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625252 Missing Document: Missing Final 1003             Provide missing documentation
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625253 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625254 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625255 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625256 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1355107 Refinance Cash-out - Other Primary 11/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625257 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350451 Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625308 Missing Document: Missing Final 1003             Provide missing documentation
1350451 Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625309 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350451 Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625310 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350451 Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625311 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. File does not contain either Preliminary or Final Title         Provide missing documentation
1350451 Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625312 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350451 Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625313 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350451 Refinance Cash-out - Other Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625314 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625342 Missing Document: Missing Final 1003             Provide missing documentation
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625343 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625344 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625345 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625346 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625347 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625348 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625349 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625350 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12625351 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1350286 Refinance UTD Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625352 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625353 Missing Document: Missing Final 1003             Provide missing documentation
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625354 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625355 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625356 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625357 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625358 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625359 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351697 Refinance Cash-out - Other Primary 4/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625360 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625408 Missing Document: Missing Final 1003             Provide missing documentation
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625409 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625410 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625411 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625412 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625413 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625414 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351690 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625415 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625451 Missing Document: Missing Final 1003             Provide missing documentation
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625452 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625453 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625454 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625455 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625456 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625457 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1352466 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625458 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625459 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625460 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625461 Missing Document: Missing Final 1003             Provide missing documentation
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625462 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625463 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625464 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625465 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353481 Refinance Cash-out - Other Primary 5/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625466 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625485 Missing Document: Missing Final 1003             Provide missing documentation
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625486 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625487 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625488 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625489 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625490 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625491 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351782 Refinance Cash-out - Other Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625492 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625538 Missing Document: Missing Final 1003             Provide missing documentation
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625539 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625540 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625541 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625542 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625543 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625544 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352818 Refinance UTD Primary 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625545 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625546 Missing Document: Missing Final 1003             Provide missing documentation
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625547 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625548 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625549 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625550 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625551 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625552 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625553 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625554 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355476 Refinance Cash-out - Other Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625555 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625556 Missing Document: Missing Final 1003             Provide missing documentation
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625557 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625558 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625559 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625560 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625561 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625562 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625563 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1352934 Refinance UTD Primary 2/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625564 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625566 Missing Document: Missing Final 1003             Provide missing documentation
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625567 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625568 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625569 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625570 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625571 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625572 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625573 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625574 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625575 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354677 UTD UTD Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625576 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1352444 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625577 Missing Document: Missing Final 1003             Provide missing documentation
1352444 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625578 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352444 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625579 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352444 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625580 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1352444 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625581 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625602 Missing Document: Missing Final 1003             Provide missing documentation
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625603 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625604 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625605 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625606 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625607 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625608 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625609 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625610 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355045 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625611 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625632 Missing Document: Missing Final 1003             Provide missing documentation
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625633 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625634 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625635 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625636 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625637 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625638 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625639 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625640 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351883 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625641 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625662 Missing Document: Missing Final 1003             Provide missing documentation
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625663 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625664 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625665 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625666 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625667 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625668 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625669 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625670 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350255 Refinance Cash-out - Other Primary 9/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625671 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625690 Missing Document: Missing Final 1003             Provide missing documentation
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625691 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625692 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625693 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625694 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625695 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625696 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625697 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625698 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351826 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625699 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12625729 Missing Document: Security Instrument not provided   File does not contain either Preliminary or Final Title         Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625730 Missing Document: Missing Final 1003             Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625731 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625732 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625733 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625734 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625735 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625736 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625737 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625738 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1353846 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625739 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625740 Missing Document: Missing Final 1003             Provide missing documentation
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625741 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625742 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625743 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625744 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625745 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625746 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625747 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625748 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351117 Refinance Cash-out - Other Primary 12/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625749 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625750 Missing Document: Missing Final 1003             Provide missing documentation
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625751 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625752 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625753 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625754 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625755 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625756 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625757 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625758 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625759 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625760 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625761 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625762 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350790 UTD UTD Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625763 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625764 Missing Document: Missing Final 1003             Provide missing documentation
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625765 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625766 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625767 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625768 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625769 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625770 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625771 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625772 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625773 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354752 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625774 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625795 Missing Document: Missing Final 1003             Provide missing documentation
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625796 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625797 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625798 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.           Provide missing documentation
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625799 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625800 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625801 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625802 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350910 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625803 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625804 Missing Document: Missing Final 1003             Provide missing documentation
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625805 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625806 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625807 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625808 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625809 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625810 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625811 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625812 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625813 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
1355491 Refinance Cash-out - Other Primary 10/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625814 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2008, prior to three (3) business days from transaction date of 10/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625883 Missing Document: Missing Final 1003             Provide missing documentation
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625884 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625885 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625886 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.           Provide missing documentation
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625887 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625888 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625889 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625890 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12625891 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625892 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625893 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355138 UTD UTD UTD 6/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625894 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625952 Missing Document: Missing Final 1003             Provide missing documentation
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625953 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625954 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625955 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625956 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625957 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625958 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625961 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625962 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state(MA).          
1350501 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625963 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12625987 Missing Document: Missing Final 1003             Provide missing documentation
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12625988 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12625989 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625990 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12625991 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page 4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" (the Note) which states that initial index is 8.25% and margin is 1.74%. This equates to an initial rate of 9.99%. The Note also states that APR is 9.99%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 9.99%. In addition, the Note also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625992 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625993 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12625994 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 05/07/2019 1 12625996 Massachusetts Borrower's Interest Tangible Net Benefit Test Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.         (2019-07-12): Cash to borrower is tangible net benefit. Exception cleared.  
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625997 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12625999 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state MA.          
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626000 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354908 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626001 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information. 5% late charge exceeds 3% maximum per state MA.          
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626043 Missing Document: Missing Final 1003             Provide missing documentation
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626044 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626045 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626046 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626047 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626048 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626049 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626050 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626051 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626052 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626053 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355526 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626054 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626055 Missing Document: Missing Final 1003             Provide missing documentation
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626056 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626057 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626058 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626059 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626060 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626061 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626062 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626063 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626064 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626065 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350643 Refinance UTD Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626066 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626090 Missing Document: Missing Final 1003             Provide missing documentation
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626091 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626092 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626093 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626094 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626095 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626096 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626097 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626098 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626099 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626101 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
1352815 UTD UTD Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626102 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626195 Missing Document: Missing Final 1003             Provide missing documentation
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626196 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626197 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626198 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626199 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626200 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626201 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626202 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626203 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626204 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626205 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state (MA).          
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626206 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. Note shows "the greater of $10 or 5%, but state shows "the lesser of 10% or $10"(MA).          
1354539 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626207 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626234 Missing Document: Missing Final 1003             Provide missing documentation
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626235 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626236 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626237 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626238 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626239 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626240 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626241 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626242 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626243 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626244 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626245 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626246 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353546 Refinance UTD Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626247 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626273 Missing Document: Missing Final 1003             Provide missing documentation
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626274 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Appraisal is not provided.          
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626275 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626276 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 Day Grace Period is less than the 15 day minimum per the state of MA          
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626277 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626278 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626279 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626280 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626281 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352677 Refinance Cash-out - Other Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626282 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information. Late charge exceeds the MA state Minimum. Note discloses 5% or $10.00 whichever is greater - MA regulation is 10% or $10.00 whichever is less.          
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626308 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626309 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626310 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626311 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626312 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626313 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626314 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626315 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626316 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12626317 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626318 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626319 Missing Document: Missing Final 1003             Provide missing documentation
1355512 Refinance Cash-out - Other Primary 5/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626320 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626350 Missing Document: Missing Final 1003             Provide missing documentation
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626351 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626352 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626353 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626354 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626355 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626356 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626357 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626358 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351400 Refinance Cash-out - Other Primary 9/XX/2007 AR $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626359 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353255 Refinance Cash-out - Other Primary 10/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626376 Missing Document: Missing Final 1003             Provide missing documentation
1353255 Refinance Cash-out - Other Primary 10/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626377 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353255 Refinance Cash-out - Other Primary 10/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626378 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353255 Refinance Cash-out - Other Primary 10/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626379 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002.           Provide missing documentation
1353255 Refinance Cash-out - Other Primary 10/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626380 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353255 Refinance Cash-out - Other Primary 10/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626381 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353255 Refinance Cash-out - Other Primary 10/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626382 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626390 Missing Document: Missing Final 1003             Provide missing documentation
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626391 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12626392 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626393 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626394 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626395 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626396 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626397 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626398 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350616 UTD UTD UTD 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626399 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626400 Missing Document: Missing Final 1003             Provide missing documentation
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626401 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626402 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626403 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626404 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626405 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626406 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350596 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626407 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626408 Missing Document: Missing Final 1003             Provide missing documentation
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626409 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626410 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626411 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626412 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626413 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626414 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1350175 Refinance Cash-out - Other Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626415 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626432 Missing Document: Missing Final 1003             Provide missing documentation
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626433 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626434 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626435 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626436 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626437 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626438 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355306 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626439 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626458 Missing Document: Missing Final 1003             Provide missing documentation
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626459 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626460 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12626461 Missing Document: Security Instrument not provided             Provide missing documentation
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626462 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626463 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626464 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626465 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626466 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626467 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353199 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626468 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626469 Missing Document: Missing Final 1003             Provide missing documentation
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626470 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/06/2019 1 12626471 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/06/2019 1 12626472 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626473 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626474 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626475 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626477 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12626478 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 7.25% and margin is 0.49%. This equates to an initial rate of7.74%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 7.74%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.74%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352798 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626479 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626480 Missing Document: Missing Final 1003             Provide missing documentation
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626481 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626482 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626483 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626484 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626485 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626486 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626487 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353415 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626488 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626521 Missing Document: Missing Final 1003             Provide missing documentation
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626522 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626523 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626524 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626525 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626526 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626527 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350446 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626528 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626563 Missing Document: Missing Final 1003             Provide missing documentation
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626564 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626565 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626566 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626567 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626568 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626569 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626571 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12626572 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.25% and margin is 0.49%. This equates to an initial rate of 8.74%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 8.74%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.74%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352225 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626573 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626574 Missing Document: Missing Final 1003             Provide missing documentation
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626575 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626576 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626577 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626578 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626579 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626580 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1353195 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626581 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626609 Missing Document: Missing Final 1003             Provide missing documentation
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12626610 Missing Document: Security Instrument not provided             Provide missing documentation
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626611 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626612 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626613 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626614 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626615 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626616 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626617 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1355560 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626618 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350828 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626629 Missing Document: Missing Final 1003             Provide missing documentation
1350828 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626630 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350828 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626631 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350828 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626632 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350828 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626633 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
1350828 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626634 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350828 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626635 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352198 Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626636 Missing Document: Missing Final 1003             Provide missing documentation
1352198 Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626637 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352198 Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626638 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352198 Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626639 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
1352198 Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626640 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352198 Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626641 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352198 Refinance Cash-out - Other Primary 6/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626642 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12626667 Missing Document: Security Instrument not provided             Provide missing documentation
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626668 Missing Document: Missing Final 1003             Provide missing documentation
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626669 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12626670 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626671 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626672 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626673 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626674 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626675 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626676 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353242 UTD UTD UTD 8/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626677 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2002.           Provide missing documentation
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626678 Missing Document: Missing Final 1003             Provide missing documentation
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626679 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626680 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626681 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626682 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626683 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626684 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626685 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002.           Provide missing documentation
1351291 Refinance Cash-out - Other Primary 9/XX/2002 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626686 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2002, prior to three (3) business days from transaction date of 09/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626687 Missing Document: Missing Final 1003             Provide missing documentation
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626688 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626689 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626690 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/25/2019 1 12626691 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/25/2019 1 12626692 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626693 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002.           Provide missing documentation
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/25/2019 1 12626694 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/25/2019 1 12626695 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to pages 2 and 3 of the "Credit Agreement and Disclosure" (the original Note) which states that initial index is 4.25% with no Margin. This equates to an initial rate of 4.25%. The Note also states that APR is 4.25%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 4.25%. In addition, the Note also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." Also, please see the "Request for Closing Documents" form, which indicate zero costs or fees charged to the borrower. As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared. (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626696 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1351926 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/25/2019 1 12626697 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees Provide missing documentation
1355177 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626706 Missing Document: Missing Final 1003             Provide missing documentation
1355177 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626707 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355177 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626708 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2002.           Provide missing documentation
1355177 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626709 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355177 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626710 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355177 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626711 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352588 Refinance Cash-out - Other Primary 7/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626723 Missing Document: Missing Final 1003             Provide missing documentation
1352588 Refinance Cash-out - Other Primary 7/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626724 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352588 Refinance Cash-out - Other Primary 7/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626725 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352588 Refinance Cash-out - Other Primary 7/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626726 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.           Provide missing documentation
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626739 Missing Document: Missing Final 1003             Provide missing documentation
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626740 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626741 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626742 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626743 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626744 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626745 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003.           Provide missing documentation
1353778 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626746 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2003, prior to three (3) business days from transaction date of 11/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626786 Missing Document: Missing Final 1003             Provide missing documentation
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626787 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626788 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626789 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626790 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626791 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626792 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626793 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626794 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352413 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12626795 RTC Executed TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan. RTC D63 is signed by the borrower on the "I wish to cancel" line as well as the correct signature line.Though the signature appears to have been erased somewhat, the borrower did not put a strike out line through and initial the signature as would indicate he did not intend to rescind.          
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626796 Missing Document: Missing Final 1003             Provide missing documentation
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626797 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626798 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626799 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626800 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626801 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626802 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626803 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353932 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626804 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354317 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626837 Missing Document: Missing Final 1003             Provide missing documentation
1354317 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626838 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354317 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626839 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354317 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626840 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354317 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626842 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1354317 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626843 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626844 Missing Document: Missing Final 1003             Provide missing documentation
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12626845 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626846 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626847 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626848 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626849 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626850 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626851 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353060 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626852 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350471 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626874 Missing Document: Missing Final 1003             Provide missing documentation
1350471 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626875 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350471 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626876 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350471 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626877 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350471 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626878 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1350471 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626879 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350471 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626880 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626897 Missing Document: Missing Final 1003             Provide missing documentation
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626898 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626899 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626900 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626901 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626902 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626903 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626904 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626905 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354592 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626906 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626916 Missing Document: Missing Final 1003             Provide missing documentation
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626917 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12626918 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12626919 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Credit Open   2 12626921 Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type. Valuation Type: Drive By / Valuation Report Date: 02/XX/2005 Condo (Low Rise)            
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626922 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626923 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12626924 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to pages 2 and 3 of the "Equity Line of Credit Agreement and Disclosure, which states that initial index is 5.250% and margin is 0.500%. This equates to an initial rate of 5.750%. The "Equity Line of Credit Agreement and Disclosure" also states that APR is 5.750%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 5.750%. In addition, the "Equity Line of Credit Agreement and Disclosure" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1354222 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12626925 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees Provide missing documentation
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626938 Missing Document: Missing Final 1003             Provide missing documentation
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626939 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626940 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626941 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626942 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626943 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626944 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352031 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626945 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626980 Missing Document: Missing Final 1003             Provide missing documentation
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626981 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12626982 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12626983 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626984 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626985 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626986 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626987 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/04/2019 1 12626988 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared. (2019-07-12): Client provided Disbursement Authorization reflecting use of proceeds but still need Closing Instructions on Early Disclosure showing that all fees will be paid by Lender. Exception remains.  
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/04/2019 1 12626989 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): This loan closed under the line of credit program issued through XXX NA which is an open-end line of credit (HELOC). For this program, the HELOC Credit Agreement and Disclosure serves as both the Note and final TIL disclosure required under Regulation Z. Under this program the bank did not charge any origination fees. This is evidenced by the disbursement instructions which break down the fees and charges associated with the loan and confirm that there were no fees charged and the only disbursements made by the bank was to pay off the existing loan in favor of XXX and the borrower's credit accounts with XXX and XXX.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1353406 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/04/2019 1 12626990 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees Provide missing documentation
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12626991 Missing Document: Missing Final 1003             Provide missing documentation
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12626992 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626993 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626994 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626995 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626996 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626997 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626998 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354904 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12626999 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627014 Missing Document: Missing Final 1003             Provide missing documentation
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627015 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627016 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627017 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627018 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627019 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627020 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627021 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12627022 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350807 UTD UTD UTD 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627023 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1354452 Refinance Cash-out - Other Primary 5/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627032 Missing Document: Missing Final 1003             Provide missing documentation
1354452 Refinance Cash-out - Other Primary 5/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627033 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354452 Refinance Cash-out - Other Primary 5/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627034 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354452 Refinance Cash-out - Other Primary 5/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627035 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1354452 Refinance Cash-out - Other Primary 5/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627036 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354452 Refinance Cash-out - Other Primary 5/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627037 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354452 Refinance Cash-out - Other Primary 5/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627039 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627040 Missing Document: Missing Final 1003             Provide missing documentation
1350283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12627041 Missing Document: Security Instrument not provided             Provide missing documentation
1350283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627043 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627044 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627045 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627046 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627190 Missing Document: Missing Final 1003             Provide missing documentation
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627191 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627192 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627193 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627194 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627195 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627196 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627197 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351752 Refinance UTD Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627198 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627204 Missing Document: Missing Final 1003             Provide missing documentation
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627205 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627206 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627207 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627208 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627209 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627210 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351393 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627211 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627221 Missing Document: Missing Final 1003             Provide missing documentation
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627222 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627223 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627224 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627225 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627226 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627227 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627228 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627229 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627230 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355004 Refinance Cash-out - Other Primary 2/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627231 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627242 Missing Document: Missing Final 1003             Provide missing documentation
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627243 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627244 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627245 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627246 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627247 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627248 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351595 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627249 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627270 Missing Document: Missing Final 1003             Provide missing documentation
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627271 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627272 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627273 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627274 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627275 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627276 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627277 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354832 Refinance UTD Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627278 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352604 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627289 Missing Document: Missing Final 1003             Provide missing documentation
1352604 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627290 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Appraisal is not provided.          
1352604 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627291 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352604 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627292 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352604 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627293 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352604 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627294 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352604 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627295 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627296 Missing Document: Missing Final 1003             Provide missing documentation
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12627297 Missing Document: Security Instrument not provided             Provide missing documentation
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627298 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627299 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627300 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627301 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627302 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627303 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627304 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627305 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354040 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627306 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627307 Missing Document: Missing Final 1003             Provide missing documentation
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627308 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627309 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627310 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627311 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627312 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627313 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627314 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350100 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627315 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627336 Missing Document: Missing Final 1003             Provide missing documentation
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627337 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627338 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627339 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627340 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627341 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627342 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627343 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627344 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352145 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627345 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627366 Missing Document: Missing Final 1003             Provide missing documentation
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627367 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627368 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627369 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627370 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627371 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627372 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627373 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627374 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627375 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350118 Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627376 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627390 Missing Document: Missing Final 1003             Provide missing documentation
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627391 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627392 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627393 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627394 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627395 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627396 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627397 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627398 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353735 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627399 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627466 Missing Document: Missing Final 1003             Provide missing documentation
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627467 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627468 Final Title Policy is missing. No evidence of title in file.   Filed does not contain either Preliminary or Final Title.         Provide missing documentation
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627469 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627470 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627471 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627472 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627473 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627474 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627475 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627476 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351036 Refinance Cash-out - Other Primary 1/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627477 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627500 Missing Document: Missing Final 1003             Provide missing documentation
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627501 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627502 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627503 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627504 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627505 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627506 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353880 Refinance Cash-out - Other Primary 8/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627507 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627516 Missing Document: Missing Final 1003             Provide missing documentation
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627517 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627518 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627519 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627520 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627521 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627522 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627523 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627524 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627525 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627526 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627527 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353328 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627528 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627570 Missing Document: Missing Final 1003             Provide missing documentation
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627571 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627572 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627573 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627574 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627575 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627576 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627577 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627578 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627579 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352142 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627580 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627581 Missing Document: Missing Final 1003             Provide missing documentation
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627582 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627583 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627584 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627585 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627586 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627587 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627588 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627589 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627590 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354330 Refinance Cash-out - Other Primary 7/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627591 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627650 Missing Document: Missing Final 1003             Provide missing documentation
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627651 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627652 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627653 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627654 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627655 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627656 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627657 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627658 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627659 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351898 Refinance Cash-out - Other Primary 1/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627660 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627714 Missing Document: Missing Final 1003             Provide missing documentation
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627715 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627716 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627717 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627718 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627719 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627720 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627721 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/04/2019 1 12627722 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Initial Loan App date of 02/XX/2005 was used, 30 days before Notary date of 03/XX/2005. Exception cleared.  
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/04/2019 1 12627723 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Initial Loan App date of 02/XX/2005 was used, 30 days before Notary date of 03/XX/2005. Exception cleared.  
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627724 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12627725 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 5.500% and margin is 0.00%. This equates to an initial rate of 5.500%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 5.500%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 5.500%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1354428 UTD UTD Primary 3/XX/2005 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627726 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627727 Missing Document: Missing Final 1003             Provide missing documentation
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627728 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627729 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627730 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12627731 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 7.50% and margin is 0.99%. This equates to an initial rate of 8.49%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 8.49%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.49%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627732 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627733 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627734 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627735 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627736 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352447 Refinance Cash-out - Other Primary 3/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627737 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627749 Missing Document: Missing Final 1003             Provide missing documentation
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627750 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627751 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627752 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627753 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627754 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627755 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
1350665 UTD UTD Primary 1/XX/2005 IN $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627756 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627766 Missing Document: Missing Final 1003             Provide missing documentation
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627767 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627768 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627769 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627770 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627771 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627772 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627773 Ohio Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627774 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352558 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 OH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627775 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627784 Missing Document: Missing Final 1003             Provide missing documentation
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627785 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627786 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627787 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627788 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627789 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627790 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627791 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353112 UTD UTD Primary 10/XX/2006 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627792 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627793 Missing Document: Missing Final 1003             Provide missing documentation
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627794 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627795 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627796 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627797 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627798 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627799 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627800 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354594 UTD UTD Primary 6/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627801 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627802 Missing Document: Missing Final 1003             Provide missing documentation
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627803 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627804 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627805 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627806 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627807 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627808 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627809 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627810 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627811 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1353833 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627812 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627813 Missing Document: Missing Final 1003             Provide missing documentation
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627814 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627815 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627816 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627817 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627818 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627819 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627820 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627821 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627822 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627823 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1353078 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627824 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627844 Missing Document: Missing Final 1003             Provide missing documentation
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627845 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627846 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627847 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627848 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627849 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627850 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627851 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351574 Refinance Cash-out - Other Primary 6/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627852 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627853 Missing Document: Missing Final 1003             Provide missing documentation
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627854 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627855 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627856 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627857 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627858 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627859 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627860 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627861 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627862 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353751 Refinance Cash-out - Other Primary 7/XX/2005 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627863 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627877 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627878 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627879 Missing Document: Missing Final 1003             Provide missing documentation
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627880 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627881 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627882 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627883 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627884 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627885 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627886 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355332 UTD UTD Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627887 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627897 Missing Document: Missing Final 1003             Provide missing documentation
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627898 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627899 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627900 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627902 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627903 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627904 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627905 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627906 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627907 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627908 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350347 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627909 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627922 Missing Document: Missing Final 1003             Provide missing documentation
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627923 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627924 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627925 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627926 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627927 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627928 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627929 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12627930 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627931 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627932 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1350404 UTD UTD UTD 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627933 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627934 Missing Document: Missing Final 1003             Provide missing documentation
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627935 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627936 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627937 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627938 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627939 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627940 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627941 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627942 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627943 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352943 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627944 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627988 Missing Document: Missing Final 1003             Provide missing documentation
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12627989 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12627990 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627991 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627992 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627993 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627994 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627995 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627996 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1352365 Refinance Cash-out - Other Primary 3/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12627997 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state.            
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12627998 Missing Document: Missing Final 1003             Provide missing documentation
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12627999 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628000 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628001 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628002 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628003 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628004 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628005 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628006 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353135 Refinance Cash-out - Other Primary 5/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628007 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628018 Missing Document: Missing Final 1003             Provide missing documentation
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628019 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628020 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628021 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628022 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628023 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628024 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628025 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628026 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628027 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628028 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628029 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1350328 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628030 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628031 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628032 Missing Document: Missing Final 1003             Provide missing documentation
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628033 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628034 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628035 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628036 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628037 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628038 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628039 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628040 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1353110 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628041 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628052 Missing Document: Missing Final 1003             Provide missing documentation
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628053 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628054 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628055 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628056 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628057 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628058 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628059 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350954 Refinance Cash-out - Other Primary 4/XX/2005 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628060 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628061 Missing Document: Missing Final 1003             Provide missing documentation
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628062 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628063 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628064 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628065 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628066 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628067 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628068 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1351344 Refinance Cash-out - Other Primary 6/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628069 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628070 Missing Document: Missing Final 1003             Provide missing documentation
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628071 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628072 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628073 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628074 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628075 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628076 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354096 Refinance Cash-out - Other Primary 8/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628077 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628088 Missing Document: Missing Final 1003             Provide missing documentation
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628089 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628090 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628091 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628092 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628093 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628094 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628095 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352702 UTD UTD Primary 5/XX/2001 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628096 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2000.           Provide missing documentation
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628097 Missing Document: Missing Final 1003             Provide missing documentation
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628098 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628099 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628100 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628101 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628102 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628103 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628104 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628105 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12628106 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 6.00% and margin is 0.25%. This equates to an initial rate of 6.25%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 6.25%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6.25%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628107 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353661 Refinance Cash-out - Other Primary 5/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628108 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628109 Missing Document: Missing Final 1003             Provide missing documentation
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628110 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628111 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628112 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628113 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628114 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628115 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351964 Refinance Cash-out - Other Primary 8/XX/2005 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628116 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1354859 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628129 Missing Document: Missing Final 1003             Provide missing documentation
1354859 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628130 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354859 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628132 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354859 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628133 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354859 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628134 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354859 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628135 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1354859 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628136 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628137 Missing Document: Missing Final 1003             Provide missing documentation
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628138 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628139 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628140 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628141 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628142 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628143 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351329 Refinance Cash-out - Other Primary 12/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628144 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628145 Missing Document: Missing Final 1003             Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628146 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628147 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12628148 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12628149 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628150 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12628151 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to "Disbursement Request & Authorization" which shows entire credit limit for $22,478 being disbursed to borrower with no deductions for any closing cost. Also, please refer to page #4 of the "Equity Credit line Agreement and Disclosure Statement" which states that initial index was 4.75% and margin was 0.75%. This equates to an initial rate of 5.50%. The "Equity credit line Agreement and Disclosure Statement" also states that APR was 5.50%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 5.50%. In addition, the "Equity credit line Agreement and Disclosure Statement" also states: "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared. (2019-07-12): Client provided Closing Instructions to evidence all fees were paid by bank but Closing Instructions appear to be for a different loan in the amount of $XXX, subject loan is for $XXX. Exception remains.  
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628152 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12628153 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Replaced with Exception with fees. Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628154 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628155 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628156 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002.         (2019-07-12): Reopen with Evidence of Fees Exception cleared. (2019-07-12): Set exception incorrectly, was not able to clear missing HUD/Fee disclosure exception. Provide missing documentation
1355128 UTD UTD Primary 10/XX/2002 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628157 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2002, prior to three (3) business days from transaction date of 10/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628158 Missing Document: Missing Final 1003             Provide missing documentation
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628159 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628160 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12628161 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12628162 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628163 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628164 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628165 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12628166 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Early Disclosure is in file which states that BAML will pay all closing costs for all lines up to $500,000, with exception of attorney fees in SC. Subject line is [less than] $500,000 and not in SC so this is acceptable evidence of no HELOC fees being charged. Exception cleared.  
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12628167 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.         (2019-07-12): Early Disclosure is in file which states that BAML will pay all closing costs for all lines up to $500,000, with exception of attorney fees in SC. Subject line is [less than] $500,000 and not in SC so this is acceptable evidence of no HELOC fees being charged. Exception cleared.  
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12628168 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Replaced with exception with fees. Provide missing documentation
1351165 Refinance Cash-out - Other Primary 10/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628169 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628170 Missing Document: Missing Final 1003             Provide missing documentation
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628171 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628172 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628173 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628174 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628175 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628176 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628177 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352725 UTD UTD Primary 11/XX/2004 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628178 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628189 Missing Document: Missing Final 1003             Provide missing documentation
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12628190 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628191 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628192 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628193 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628194 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628195 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628196 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628197 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353730 Refinance UTD UTD 1/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628198 Final Title Policy is missing. No evidence of title in file.   File is missing both preliminary and final title.         Provide missing documentation
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628210 Missing Document: Missing Final 1003             Provide missing documentation
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12628211 Missing Document: Security Instrument not provided             Provide missing documentation
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628212 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628213 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628214 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628215 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628216 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628217 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628218 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12628219 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628220 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353075 UTD UTD UTD 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628221 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628265 Missing Document: Missing Final 1003             Provide missing documentation
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628266 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628267 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628268 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628269 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628270 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628271 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628272 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353129 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628273 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628274 Missing Document: Missing Final 1003             Provide missing documentation
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628275 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628276 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628277 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628278 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628279 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628280 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351183 Refinance Cash-out - Other Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628281 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628282 Missing Document: Missing Final 1003             Provide missing documentation
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628283 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628284 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628285 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628286 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628287 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628288 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628289 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352608 Refinance Rate/Term Primary 7/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628290 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628309 Missing Document: Missing Final 1003             Provide missing documentation
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628310 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628311 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628312 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628313 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628314 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628315 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title Policy         Provide missing documentation
1354263 Refinance UTD Primary 8/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628316 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1354521           Missing File 07/12/2019 Loan Package Documentation Loan File Compliance Open   3 12628328 (Missing Doc) Incomplete loan images/file   Status is Missing. File contains post close documentation but does not include Legal or Compliance documents for the subject.         Provide missing documentation
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628355 Missing Document: Missing Final 1003             Provide missing documentation
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628356 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628357 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628358 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628359 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628360 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628361 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355309 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628362 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628373 Missing Document: Missing Final 1003             Provide missing documentation
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628374 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628375 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12628376 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): lease refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 8.250% and margin is 0.990%. This equates to an initial rate of 9.240%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 9.240%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 9.240%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628377 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628378 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628379 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628380 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628381 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628382 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628383 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352754 UTD UTD Primary 10/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628384 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628385 Missing Document: Missing Final 1003             Provide missing documentation
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628386 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628387 Final Title Policy is missing. No evidence of title in file.   File does not contain the final policy or commitment         Provide missing documentation
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628388 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628389 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628390 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628391 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628392 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628393 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12628394 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 8.250% and margin is 1.240%. This equates to an initial rate of 9.490%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 9.490%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 9.490%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351238 UTD UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628395 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628420 Missing Document: Missing Final 1003             Provide missing documentation
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628421 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628422 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628423 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628424 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628425 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628426 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351673 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628427 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628446 Missing Document: Missing Final 1003             Provide missing documentation
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628447 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628448 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628449 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628450 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628451 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628452 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350456 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628453 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628454 Missing Document: Missing Final 1003             Provide missing documentation
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628455 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628456 Final Title Policy is missing. No evidence of title in file.   File does not contain the final policy or commitment         Provide missing documentation
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628457 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628458 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628459 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628460 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628461 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628462 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628463 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353791 UTD UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628464 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628487 Missing Document: Missing Final 1003             Provide missing documentation
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628488 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628489 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628490 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628491 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628492 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628493 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352550 UTD UTD Primary 8/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628494 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628521 Missing Document: Missing Final 1003             Provide missing documentation
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628522 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12628523 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628524 Final Title Policy is missing. No evidence of title in file.   File does not contain the final policy or commitment         Provide missing documentation
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628525 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628526 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628527 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628528 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628529 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350379 Refinance Cash-out - Other UTD 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628530 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628531 Missing Document: Missing Final 1003             Provide missing documentation
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628532 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628533 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628534 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628535 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628536 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628537 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628538 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354771 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628539 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628572 Missing Document: Missing Final 1003             Provide missing documentation
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628573 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628574 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628575 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628576 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628577 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628578 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628579 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628580 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351309 Refinance UTD Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628581 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628593 Missing Document: Missing Final 1003             Provide missing documentation
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628594 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628596 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628597 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628598 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628599 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state.            
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628600 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628601 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628602 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1354448 Refinance Cash-out - Other Primary 11/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628603 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354287 Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628617 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354287 Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628618 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354287 Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628619 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354287 Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628620 Missing Document: Missing Final 1003             Provide missing documentation
1354287 Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628621 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354287 Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628622 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354287 Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628623 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628633 Missing Document: Missing Final 1003             Provide missing documentation
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628634 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628635 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628636 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628637 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628638 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628639 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628640 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354209 Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628641 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628642 Missing Document: Missing Final 1003             Provide missing documentation
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628643 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628644 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628645 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628646 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628648 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628649 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628650 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628651 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628652 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352816 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628653 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628655 Missing Document: Missing Final 1003             Provide missing documentation
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12628656 Missing Document: Security Instrument not provided             Provide missing documentation
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628657 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628658 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628659 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628660 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628661 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628662 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628663 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628664 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628666 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354487 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628667 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628668 Missing Document: Missing Final 1003             Provide missing documentation
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628669 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628670 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628671 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628672 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628673 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628674 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1352797 Refinance UTD Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628675 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12628685 Missing Document: Security Instrument not provided             Provide missing documentation
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628686 Missing Document: Missing Final 1003             Provide missing documentation
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628687 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628688 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628689 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628690 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628691 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628692 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353050 Refinance Cash-out - Other Primary 12/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628693 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628694 Missing Document: Missing Final 1003             Provide missing documentation
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12628695 Missing Document: Security Instrument not provided             Provide missing documentation
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628696 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628697 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628698 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628699 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628700 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628701 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628702 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628703 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350909 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628704 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628705 Missing Document: Missing Final 1003             Provide missing documentation
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628707 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Appraisal not provided.          
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628708 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628709 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628710 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628711 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628712 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354514 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628713 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628714 Missing Document: Missing Final 1003             Provide missing documentation
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628715 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628716 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628717 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628718 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628719 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628720 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628721 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628722 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628723 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628724 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351609 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628725 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628726 Missing Document: Missing Final 1003             Provide missing documentation
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628727 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628728 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628729 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628730 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628731 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628732 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628733 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628734 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628735 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628736 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628737 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352096 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628738 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628739 Missing Document: Missing Final 1003             Provide missing documentation
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628740 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628741 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628742 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628743 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628744 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628745 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628746 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628747 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352028 Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628748 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628749 Missing Document: Missing Final 1003             Provide missing documentation
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628750 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628751 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628752 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628753 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628754 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628755 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628756 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350750 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628757 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350691 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628758 Missing Document: Missing Final 1003             Provide missing documentation
1350691 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628760 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350691 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628761 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350691 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628762 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350691 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628763 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1350691 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628764 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350691 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628765 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628775 Missing Document: Missing Final 1003             Provide missing documentation
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628776 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12628777 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628778 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628779 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628780 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628781 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628782 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353240 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628783 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628784 Missing Document: Missing Final 1003             Provide missing documentation
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628785 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628786 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628787 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628788 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628789 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628790 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1350153 UTD UTD Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628791 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628792 Missing Document: Missing Final 1003             Provide missing documentation
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628793 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628794 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628795 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628796 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628797 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628798 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354923 UTD UTD Primary 3/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628799 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628801 Missing Document: Missing Final 1003             Provide missing documentation
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628802 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628803 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628804 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628805 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628806 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628807 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628808 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628809 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354807 Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628810 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628811 Missing Document: Missing Final 1003             Provide missing documentation
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628812 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628813 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628814 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628815 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628816 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628817 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355320 Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628818 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628828 Missing Document: Missing Final 1003             Provide missing documentation
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628829 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628830 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628831 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628832 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628833 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628834 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628835 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628836 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628837 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350659 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628838 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628849 Missing Document: Missing Final 1003             Provide missing documentation
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12628850 Missing Document: Security Instrument not provided             Provide missing documentation
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628851 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628852 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628853 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628854 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628855 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628856 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628857 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628858 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351685 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628859 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628860 Missing Document: Missing Final 1003             Provide missing documentation
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628861 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628862 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628863 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628864 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628865 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628866 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628867 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628868 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628869 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12628870 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350956 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628871 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628903 Missing Document: Missing Final 1003             Provide missing documentation
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628904 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628905 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628906 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628907 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628908 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628909 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350658 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628910 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628911 Missing Document: Missing Final 1003             Provide missing documentation
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628912 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628913 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628914 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628915 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628916 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628917 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628918 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353851 Refinance UTD Primary 10/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628919 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628946 Missing Document: Missing Final 1003             Provide missing documentation
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628947 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628948 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628949 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628950 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628951 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628952 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628953 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351763 Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628954 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628965 Missing Document: Missing Final 1003             Provide missing documentation
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628966 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628967 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628968 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628969 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628970 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628971 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12628972 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352999 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628973 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12628984 Missing Document: Missing Final 1003             Provide missing documentation
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12628985 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12628986 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628987 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628988 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628989 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628990 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628991 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628992 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628993 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355173 Refinance UTD Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12628994 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629003 Missing Document: Missing Final 1003             Provide missing documentation
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629004 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629005 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629006 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629007 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629008 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629009 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629010 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629011 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629012 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350252 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629013 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629014 Missing Document: Missing Final 1003             Provide missing documentation
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629015 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629016 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629017 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629018 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629019 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629020 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629021 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629022 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629023 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352570 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629024 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629025 Missing Document: Missing Final 1003             Provide missing documentation
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629026 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629027 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629028 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629029 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629030 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629031 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629032 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353456 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629033 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629034 Missing Document: Missing Final 1003             Provide missing documentation
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629035 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629036 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12629037 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629038 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629039 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629040 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629041 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629042 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629043 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629044 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352202 Refinance UTD UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629045 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629046 Missing Document: Missing Final 1003             Provide missing documentation
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629047 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629048 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629049 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629050 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629051 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629052 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629053 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629054 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629055 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351939 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629056 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629078 Missing Document: Missing Final 1003             Provide missing documentation
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629079 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12629080 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629081 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629082 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629083 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629084 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629085 New York Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629086 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629087 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352812 Refinance Cash-out - Other Primary 8/XX/2001 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629088 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001.           Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629145 Missing Document: Missing Final 1003             Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629146 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629147 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629148 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629149 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629150 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629151 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629152 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629153 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1353296 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629154 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352199 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629155 Missing Document: Missing Final 1003             Provide missing documentation
1352199 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629156 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352199 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629157 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
1352199 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629158 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1352199 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629159 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352199 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629160 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352199 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629161 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350521 Refinance Cash-out - Other Investment 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629162 Missing Document: Missing Final 1003             Provide missing documentation
1350521 Refinance Cash-out - Other Investment 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629163 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350521 Refinance Cash-out - Other Investment 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629164 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350521 Refinance Cash-out - Other Investment 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629165 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350521 Refinance Cash-out - Other Investment 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629166 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350521 Refinance Cash-out - Other Investment 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629167 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629168 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629169 Missing Document: Missing Final 1003             Provide missing documentation
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629170 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629171 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629172 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629173 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629174 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629175 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351339 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629176 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1354235           Missing File 07/12/2019 Loan Package Documentation Loan File Compliance Open   3 12629177 (Missing Doc) Incomplete loan images/file   Status is Missing, unable to do compliance testing or to determine if testing is required         Provide missing documentation
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629178 Missing Document: Missing Final 1003             Provide missing documentation
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629179 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629180 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629181 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629182 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629183 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible by state law.            
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629184 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350476 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629185 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629206 Missing Document: Missing Final 1003             Provide missing documentation
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629207 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629208 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629209 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629210 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629211 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629212 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629213 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629214 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629215 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629216 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353700 Refinance Cash-out - Other Primary 1/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629217 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629218 Missing Document: Missing Final 1003             Provide missing documentation
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12629219 Missing Document: Security Instrument not provided             Provide missing documentation
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629220 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629221 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629222 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629223 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629224 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629225 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629226 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan. Early termination fee of $2075.00 is not allowed per state Prepayment Penalty laws. (NY)          
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629227 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354298 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629228 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629246 Missing Document: Missing Final 1003             Provide missing documentation
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629247 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629248 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629249 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629250 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629251 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629252 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629253 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629254 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629255 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629256 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12629257 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 6.250% and margin is 0.240%. This equates to an initial rate of 6.490%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 6.490%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6.490%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352888 UTD UTD Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629258 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629269 Missing Document: Missing Final 1003             Provide missing documentation
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629270 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629271 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629272 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629273 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629274 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629275 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629276 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353091 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629277 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629278 Missing Document: Missing Final 1003             Provide missing documentation
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12629279 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629280 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629281 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629282 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629283 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629284 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629285 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629286 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629287 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629289 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12629290 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 7.250% and margin is 1.240%. This equates to an initial rate of 8.490%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 8.490%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.490%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1354473 UTD UTD UTD 12/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629291 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629292 Missing Document: Missing Final 1003             Provide missing documentation
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629293 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629294 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629295 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629296 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629297 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629298 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629300 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352762 Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12629301 Missing Document: Security Instrument not provided             Provide missing documentation
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629302 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629303 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629304 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629305 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629306 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629307 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629308 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354284 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629309 Missing Document: Missing Final 1003             Provide missing documentation
1355111 Refinance Cash-out - Other Second Home 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629334 Missing Document: Missing Final 1003             Provide missing documentation
1355111 Refinance Cash-out - Other Second Home 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629335 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355111 Refinance Cash-out - Other Second Home 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629336 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355111 Refinance Cash-out - Other Second Home 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629337 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355111 Refinance Cash-out - Other Second Home 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629338 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1355111 Refinance Cash-out - Other Second Home 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629339 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353225 Refinance Cash-out - Other Investment 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629352 Missing Document: Missing Final 1003             Provide missing documentation
1353225 Refinance Cash-out - Other Investment 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629353 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353225 Refinance Cash-out - Other Investment 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629354 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629386 Missing Document: Missing Final 1003             Provide missing documentation
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629387 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12629388 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629389 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629390 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629391 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629392 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629393 New York Late Charge Percent Testing Note late charge exceeds maximum per state. The greater of $10 or 5% late charge exceeds 2% maximum per state (NY)          
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629394 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629395 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629396 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351373 Refinance Cash-out - Other UTD 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629397 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629427 Missing Document: Missing Final 1003             Provide missing documentation
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629428 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629429 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629430 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629431 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629432 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629433 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12629434 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629435 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629436 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629437 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355489 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629438 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1353180 Refinance Cash-out - Other Investment 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629464 Missing Document: Missing Final 1003             Provide missing documentation
1353180 Refinance Cash-out - Other Investment 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629465 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1353180 Refinance Cash-out - Other Investment 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629466 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353180 Refinance Cash-out - Other Investment 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629467 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629468 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629469 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629470 Missing Document: Missing Final 1003             Provide missing documentation
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629471 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629472 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629473 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629474 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629475 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629476 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629477 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353184 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629478 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629501 Missing Document: Missing Final 1003             Provide missing documentation
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629502 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629503 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629504 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629505 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629506 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629507 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629508 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629509 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629510 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353288 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629511 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629522 Missing Document: Missing Final 1003             Provide missing documentation
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629523 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629524 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629525 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629526 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 minimum per state - NY.          
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629527 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state - NY.          
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629528 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629529 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629530 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352149 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629531 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629540 Missing Document: Missing Final 1003             Provide missing documentation
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629541 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629542 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629543 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629544 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629545 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state (NY).          
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629546 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late fee exceeds the 2% maximum per state (NY)          
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629547 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629548 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629549 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355583 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629550 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629561 Missing Document: Missing Final 1003             Provide missing documentation
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629562 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629563 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629564 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629565 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629566 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629567 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY).          
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629568 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629569 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629570 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353483 UTD UTD Primary 12/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629571 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629606 Missing Document: Missing Final 1003             Provide missing documentation
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629607 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629608 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629609 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629610 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629611 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629612 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629613 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 days required per state (NY).          
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629614 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge is greater than 2% maximum per state (NY).          
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629615 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629616 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1352192 Refinance Cash-out - Other Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629617 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629630 Missing Document: Missing Final 1003             Provide missing documentation
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629631 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629632 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629633 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629634 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 5% late charge exceeds 2% maximum per state (NY)          
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629635 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629636 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629637 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629638 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353713 Refinance UTD Primary 1/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629639 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629671 Missing Document: Missing Final 1003             Provide missing documentation
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629672 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629673 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629674 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629675 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629676 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629677 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629678 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629679 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629680 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629681 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353247 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629682 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629704 Missing Document: Missing Final 1003             Provide missing documentation
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629705 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629706 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629707 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629708 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629709 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629710 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629711 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629712 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629713 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629714 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629715 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351300 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629716 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629731 Missing Document: Missing Final 1003             Provide missing documentation
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629732 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629733 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629734 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629735 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629736 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629737 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629738 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629739 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629740 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629741 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351025 UTD UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629742 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629743 Missing Document: Missing Final 1003             Provide missing documentation
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629744 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629745 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629746 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629747 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629748 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629749 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629750 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629751 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629752 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum required by the state of NY.          
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629753 New York Late Charge Percent Testing Note late charge exceeds maximum per state. The late fee consisting of the greater of $10 or 5% of the over due payment excdeeds the maximum 2% of the over due payment allowed by the state of NY.          
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629754 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354261 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629755 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629756 Missing Document: Missing Final 1003             Provide missing documentation
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629757 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629758 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629759 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629760 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629761 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629762 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629763 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629764 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629765 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629766 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629767 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350557 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629768 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629782 Missing Document: Missing Final 1003             Provide missing documentation
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629783 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629784 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629785 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629786 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629787 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629788 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629789 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 5% late charge exceeds 2% maximum per state (NY)          
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629790 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629791 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629792 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629793 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351594 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629794 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629795 Missing Document: Missing Final 1003             Provide missing documentation
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629796 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629797 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629798 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629799 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629800 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629801 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629802 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629803 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629804 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629805 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629806 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352159 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629807 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629845 Missing Document: Missing Final 1003             Provide missing documentation
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629846 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629847 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629848 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629849 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629850 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629851 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629852 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629853 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629854 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629855 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629856 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629857 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1353836 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629858 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629881 Missing Document: Missing Final 1003             Provide missing documentation
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629883 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629884 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629885 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629886 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629887 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629888 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629889 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629890 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629891 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629892 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629893 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629894 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350567 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629895 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629908 Missing Document: Missing Final 1003             Provide missing documentation
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629909 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629910 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629911 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629912 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629913 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629914 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629915 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629916 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629917 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629918 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629919 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1352351 Refinance Cash-out - Other Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629920 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629921 Missing Document: Missing Final 1003             Provide missing documentation
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629922 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629923 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629924 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629925 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629926 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629927 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629928 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629929 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629930 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period of 10 days is less than 15 days minimum per state (NY)          
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629931 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late fee of 5% exceeds maximum of 2% per state (NY)          
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629932 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629933 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1355095 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629934 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629935 Missing Document: Missing Final 1003             Provide missing documentation
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629936 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629937 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629938 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629939 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629940 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629941 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period min not allowed per state (NY) - min grace period for NY is 15 days - note states 10          
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629942 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629943 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629944 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629945 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629946 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354286 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629947 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629948 Missing Document: Missing Final 1003             Provide missing documentation
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629949 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629950 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629951 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629952 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629953 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629954 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629955 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629956 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629957 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629958 New York Late Charge Grace Period Testing Note grace period less than minimum per state. The late charge grace period days of 10 is less that the state minimum days of 15.(NY)          
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629959 New York Late Charge Percent Testing Note late charge exceeds maximum per state. The late charge percent of 5% exceeds the state maximum late charge of 2%.(NY)          
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629960 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1353773 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629961 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629977 Missing Document: Missing Final 1003             Provide missing documentation
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629978 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629979 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629980 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629981 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629982 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629983 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629984 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629985 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629986 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629987 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629988 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350034 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629989 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12629990 Missing Document: Missing Final 1003             Provide missing documentation
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629991 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629992 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629993 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629994 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629995 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12629996 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12629997 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12629998 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12629999 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630000 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630001 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351106 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630002 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630015 Missing Document: Missing Final 1003             Provide missing documentation
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630016 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630017 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630018 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630019 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630020 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630021 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630022 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630023 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day grace period required per state of NY.          
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630024 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630025 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630026 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355307 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630027 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630028 Missing Document: Missing Final 1003             Provide missing documentation
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630029 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630030 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630031 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630032 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630033 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630034 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630035 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state(NY).          
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630036 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charges exceeds 2% maximum per state(NY).          
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630037 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630038 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. SIgnature date missing         Provide missing documentation
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630039 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630040 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630041 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354014 Refinance Cash-out - Other Primary 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630042 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630043 Missing Document: Missing Final 1003             Provide missing documentation
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630044 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630045 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630046 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630047 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630048 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period not allowed per state (NY) � min grace period for NY is 15 days - note states 10 days          
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630049 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%          
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630050 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630051 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630052 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630053 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630054 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630055 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630056 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.           Provide missing documentation
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630057 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2008, prior to three (3) business days from transaction date of 09/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353629 Refinance UTD Primary 8/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630058 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630068 Missing Document: Missing Final 1003             Provide missing documentation
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630069 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630070 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630071 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630072 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630073 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630074 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351769 Refinance Cash-out - Other Primary 1/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630075 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630098 Missing Document: Missing Final 1003             Provide missing documentation
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630099 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630100 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630101 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630102 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630103 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630104 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630105 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period less than 15 days grace period minimum per state (NY).          
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630106 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceed 2% maximum per state (NY).          
1352882 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630107 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630117 Missing Document: Missing Final 1003             Provide missing documentation
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630119 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630120 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630121 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630122 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630123 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630124 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351611 Refinance Cash-out - Other Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630125 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630126 Missing Document: Missing Final 1003             Provide missing documentation
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630127 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630128 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630129 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630130 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630131 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630132 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630133 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350898 Refinance Cash-out - Other Primary 5/XX/2005 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630134 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630150 Missing Document: Missing Final 1003             Provide missing documentation
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630151 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12630152 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12630153 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630154 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630155 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630156 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630157 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12630159 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Closing Instructions and Disbursement Agreement signed by Borrower. Exception cleared.  
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12630160 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.         (2019-07-12): Evidence of no fees paid by borrower per Closing Instructions and Disbursement Agreement signed by Borrower. Exception cleared.  
1351670 Refinance UTD Primary 1/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12630161 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Replaced with one with fees. Provide missing documentation
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630162 Missing Document: Missing Final 1003             Provide missing documentation
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630163 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630164 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630165 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630166 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630167 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630168 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1351906 Refinance Cash-out - Other Primary 7/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630169 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630170 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630171 Missing Document: Missing Final 1003             Provide missing documentation
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630172 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630173 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630174 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630175 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630176 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630177 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1351212 UTD UTD Primary 10/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630178 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630186 Missing Document: Missing Final 1003             Provide missing documentation
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630187 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630188 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630189 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630190 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630191 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630192 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630193 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630194 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351033 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630195 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630196 Missing Document: Missing Final 1003             Provide missing documentation
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630197 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630198 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630199 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630200 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630201 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630202 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630203 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630204 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351232 Refinance Cash-out - Other Primary 5/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630205 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630223 Missing Document: Missing Final 1003             Provide missing documentation
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630224 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630225 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630226 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630227 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630228 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630229 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630230 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630231 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630232 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1354440 Refinance UTD Primary 1/XX/2008 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630233 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630275 Missing Document: Missing Final 1003             Provide missing documentation
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630276 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630277 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630278 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630279 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630280 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630281 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002.           Provide missing documentation
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630282 Pennsylvania Subordinate Lien Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630283 Pennsylvania Subordinate Lien Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352679 Refinance Cash-out - Other Primary 1/XX/2003 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630284 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630285 Missing Document: Missing Final 1003             Provide missing documentation
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630286 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630287 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630288 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630289 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630290 Pennsylvania Subordinate Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the minimum of 15 days per PA          
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630291 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630292 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630293 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353174 Refinance Cash-out - Other Primary 4/XX/2007 PA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630294 Pennsylvania Subordinate Lien Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630295 Missing Document: Missing Final 1003             Provide missing documentation
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630296 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630297 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630298 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630300 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630301 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630302 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355020 Refinance Cash-out - Other Primary 8/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630303 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630304 Missing Document: Missing Final 1003             Provide missing documentation
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630305 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630306 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630307 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630308 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630309 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630310 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630311 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1353625 UTD UTD Primary 1/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630312 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630340 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630341 Missing Document: Missing Final 1003             Provide missing documentation
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630342 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630343 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630344 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630345 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630346 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information. Late charge not allowed per state (NJ) - max late charge for NJ 2nd lien is 5% - note states flat dollar amount of $15.          
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630347 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350793 UTD UTD Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630348 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630349 Missing Document: Missing Final 1003             Provide missing documentation
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630350 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630351 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630352 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630353 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630354 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630355 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630356 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
1352770 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630357 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630358 Missing Document: Missing Final 1003             Provide missing documentation
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630359 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630360 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630361 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630362 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630363 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630364 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630365 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353561 Refinance Cash-out - Other Primary 3/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630366 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630367 Missing Document: Missing Final 1003             Provide missing documentation
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630368 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630369 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630370 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630371 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630372 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630373 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630374 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
1355285 Refinance Cash-out - Other Primary 4/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630375 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630386 Missing Document: Missing Final 1003             Provide missing documentation
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630387 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630389 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630390 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630391 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630392 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630393 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Grace period min not allowed per state (NJ) - min grace period for NJ is 15 days - note states 10          
1351549 Refinance Cash-out - Other Primary 8/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630394 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630396 Missing Document: Missing Final 1003             Provide missing documentation
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630397 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630398 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/24/2019 1 12630399 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630400 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630401 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 days minimum per state - NY.          
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630402 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state - NY.          
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630403 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/24/2019 1 12630404 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630406 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12630407 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): This loan closed under the XXX Equity Maximizer program which is an open-end line of credit (HELOC). For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Under this program the bank agreed to pay all closing costs up to $500,000 with some exceptions. This is evidenced by the closing instructions which break down the fees associated with the loan and confirm that the fees were paid by the bank.   (2019-07-12): Disclosure of costs and fees not provided. Need Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1355546 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630408 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630409 Missing Document: Missing Final 1003             Provide missing documentation
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630410 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12630411 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630412 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630413 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630414 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630415 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630416 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630417 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum for the state of NJ 2nd lien.          
1352946 UTD UTD UTD 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630418 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630419 Missing Document: Missing Final 1003             Provide missing documentation
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630420 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630421 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630422 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630423 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630424 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630425 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Grace period of 10 days is less than 15 days minimum per state (NJ)          
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630426 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630427 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630429 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12630430 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #7 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 7.00% and margin is 1.49%. This equates to an initial rate of 8.49%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 8.49%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.49%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351652 Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630431 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630432 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630433 Missing Document: Missing Final 1003             Provide missing documentation
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630434 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630435 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630436 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630437 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630438 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. The late charge grace period of 10 days is less than the state minimum grace period days of 15. (NJ)          
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630439 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630441 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12630442 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): The executed XXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT dated 3/XX/2006 states that initial index is 7.5% and margin is 0.24%. This equates to an initial rate of 7.74%. The APR is 7.74%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.74%. In addition, the XXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1354522 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630443 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630444 Missing Document: Missing Final 1003             Provide missing documentation
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630445 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630446 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630447 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630448 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630449 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630450 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630451 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630452 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630454 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12630455 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please note that the XXX Equity Maximizer Initial Disclosure Statement confirming zero fees and charges with loan number XXX is for our subject loan #XXX, please note that each loan was assigned an application number, also we would point out that the borrower's name and property address corroborates with our subject loan. As such, your request has been satisfied. (2019-07-12): his loan closed under the XXX Equity Maximizer program which is an open-end line of credit (HELOC). For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Under this program the bank agreed to pay all closing costs up to $500,000 with some exceptions. This is evidenced by the closing instructions which break down the fees associated with the loan and confirm that the fees were paid by the bank   (2019-07-12): Important Terms disclosure provided has a loan number that does not match to any other id in file. Also, the disclosure does not provide borrowers name and address. Exception remains. (2019-07-12): Important Terms disclosure provided same as prior disclosure provided, the loan number on disclosure does not match to any other id in file. Exception remains. (2019-07-12): Closing Instructions were not provided. Important Terms disclosure was provided but loan number on disclosure does not match to any other id in file. Need evidence this disclosure is for subject loan. Exception remains.  
1355390 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630456 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630478 Missing Document: Missing Final 1003             Provide missing documentation
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630479 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630480 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630481 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630482 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630483 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630484 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630485 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the 15 day minimum allowed by State (NJ).          
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630486 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351380 UTD UTD UTD 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12630487 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630490 Missing Document: Missing Final 1003             Provide missing documentation
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630491 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630492 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12630493 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630494 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630495 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630496 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630497 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630498 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630499 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is [less than] 15 day minimum required for 2nd liens in the state of NJ.          
1354189 UTD UTD UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630500 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630510 Missing Document: Missing Final 1003             Provide missing documentation
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630511 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630512 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630513 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12630514 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630515 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630516 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630517 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630518 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1351700 UTD UTD UTD 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630519 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630531 Missing Document: Missing Final 1003             Provide missing documentation
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630532 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630533 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630534 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630535 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630536 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630537 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630538 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1350275 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630539 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630565 Missing Document: Missing Final 1003             Provide missing documentation
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630566 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630567 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630568 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630569 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630570 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630571 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350566 Purchase Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630572 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630573 Missing Document: Missing Final 1003             Provide missing documentation
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630574 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630575 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630576 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630577 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630578 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630579 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630580 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630581 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630582 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353672 Refinance UTD Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630583 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630597 Missing Document: Missing Final 1003             Provide missing documentation
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630598 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630599 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630600 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 5% late charge exceeds 2% maximum per state (NJ) and 10 day grace period is less than 15 day minimum per state (NJ).          
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630601 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630602 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630603 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630604 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355382 Refinance UTD Primary 4/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630605 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630606 Missing Document: Missing Final 1003             Provide missing documentation
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630607 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630608 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630609 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630610 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630611 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630612 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630613 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1353214 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630614 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630644 Missing Document: Missing Final 1003             Provide missing documentation
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630645 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.         (2019-07-12): Exception cleared. Provide missing documentation
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630646 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.         (2019-07-12): Exception cleared. Provide missing documentation
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630647 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): This loan closed under the XXX Equity Maximizer program which is an open-end line of credit (HELOC). For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Please note the initial disclosure was not required to be signed and indicates the Bank will pay all closing costs up to $500,000 with some exceptions.   (2019-07-12): Exception cleared.  
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630648 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12630649 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630650 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630651 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630652 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630653 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630654 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351358 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630655 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630656 Missing Document: Missing Final 1003             Provide missing documentation
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630657 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630658 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630659 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630660 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630661 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630662 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630663 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630664 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1352675 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630665 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630666 Missing Document: Missing Final 1003             Provide missing documentation
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630667 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630668 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630669 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630670 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630671 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630672 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the 15 day minimum per state          
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630673 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630674 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630675 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630676 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630677 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355086 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630678 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630700 Missing Document: Missing Final 1003             Provide missing documentation
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630701 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630702 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630703 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630704 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630705 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630706 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630707 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1350479 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630708 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630709 Missing Document: Missing Final 1003             Provide missing documentation
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630710 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630711 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630712 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630713 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630714 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630715 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12630716 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630717 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630718 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351146 UTD UTD UTD 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630719 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630738 Missing Document: Missing Final 1003             Provide missing documentation
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630739 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630740 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630741 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630742 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630743 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630744 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630745 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630746 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per State of NJ.          
1351282 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630747 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630757 Missing Document: Missing Final 1003             Provide missing documentation
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12630758 Missing Document: Security Instrument not provided             Provide missing documentation
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630759 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630760 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630761 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630762 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630763 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630764 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630765 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630766 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630767 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354732 UTD UTD Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630768 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630769 Missing Document: Missing Final 1003             Provide missing documentation
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630770 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630771 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630772 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630773 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630774 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630775 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630776 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630777 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day grace period required per state (NJ).          
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630778 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351768 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630779 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630792 Missing Document: Missing Final 1003             Provide missing documentation
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630793 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630794 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630795 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630796 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630797 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630798 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630799 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630800 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630801 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1352065 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630802 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630829 Missing Document: Missing Final 1003             Provide missing documentation
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630830 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630831 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630832 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630833 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630834 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630835 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630836 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630837 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354361 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630838 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630862 Missing Document: Missing Final 1003             Provide missing documentation
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630863 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630864 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630865 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630866 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630867 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630868 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630869 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630870 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630871 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355464 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630872 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630884 Missing Document: Missing Final 1003             Provide missing documentation
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630885 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630886 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630887 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630888 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630889 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630890 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630891 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630892 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630893 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630894 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1354475 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630895 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630896 Missing Document: Missing Final 1003             Provide missing documentation
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630897 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630898 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630899 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630900 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630901 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630902 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630903 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630904 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630905 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355257 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630906 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630928 Missing Document: Missing Final 1003             Provide missing documentation
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630929 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630930 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630931 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630932 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630933 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630934 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Effective 11/XX/2003, no lender making any home loan may charge a late payment fee in excess of 5% of the amount of the payment past due. The late payment fee may only be assessed for a payment past due 15 days or more.          
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630935 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355171 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630936 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630970 Missing Document: Missing Final 1003             Provide missing documentation
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12630971 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12630972 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630973 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630974 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630975 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12630976 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630977 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630978 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630979 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
1353405 Refinance UTD Primary 5/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630980 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353829 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 VA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12630981 Missing Document: Missing Final 1003             Provide missing documentation
1353829 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630982 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353829 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630983 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353829 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12630984 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2000.           Provide missing documentation
1353829 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 VA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12630985 Virginia Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631008 Missing Document: Missing Final 1003             Provide missing documentation
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631009 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631010 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631011 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631012 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631013 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631014 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1354719 Refinance Cash-out - Other Primary 8/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631015 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631016 Missing Document: Missing Final 1003             Provide missing documentation
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631017 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631018 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631019 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631020 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631021 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631022 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631024 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631025 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631026 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631027 Rhode Island Home Loan (High Cost Analysis Not In File) Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631028 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631029 (Missing Data) Last Transaction Date Last Transaction Date Missing. Unable to conclusively determine if loan is subject to Rhode Island Tangible Net Benefit           Provide missing documentation
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631030 Rhode Island Tangible Net Benefit Testing Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631031 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631032 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631033 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354420 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631034 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352750 Refinance Cash-out - Other Primary 3/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631035 Missing Document: Missing Final 1003             Provide missing documentation
1352750 Refinance Cash-out - Other Primary 3/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631036 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352750 Refinance Cash-out - Other Primary 3/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631037 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352750 Refinance Cash-out - Other Primary 3/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631038 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1352750 Refinance Cash-out - Other Primary 3/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631039 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352750 Refinance Cash-out - Other Primary 3/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631040 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352750 Refinance Cash-out - Other Primary 3/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631041 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631069 Missing Document: Missing Final 1003             Provide missing documentation
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631070 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631071 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/29/2019 1 12631072 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/29/2019 1 12631073 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631074 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631075 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631077 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631078 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631079 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631080 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. Lender is XXX, N.A., therefore exempt from regulation.          
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631081 Rhode Island Home Loan (High Cost Analysis Not In File) Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. Lender is XXX, N.A., therefore exempt from regulation.          
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631082 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. Lender is XXX, N.A., therefore exempt from regulation.          
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 05/29/2019 1 12631083 (Missing Data) Last Transaction Date Last Transaction Date Missing. Unable to conclusively determine if loan is subject to Rhode Island Tangible Net Benefit         (2019-07-12): Cash out available to borrower after payoff of prior lien is sufficient evidence of tangible net benefit. Exception cleared. Provide missing documentation
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 05/29/2019 1 12631084 Rhode Island Tangible Net Benefit Testing Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.         (2019-07-12): Cash available to borrower after payoff of prior lien is sufficient tangible net benefit regardless of missing last transaction date. Exception cleared.  
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631085 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
1353606 Refinance Cash-out - Other Primary 7/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631086 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353253 Refinance Cash-out - Other Primary 2/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631103 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353253 Refinance Cash-out - Other Primary 2/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631104 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353253 Refinance Cash-out - Other Primary 2/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631105 Missing Document: Missing Final 1003             Provide missing documentation
1353253 Refinance Cash-out - Other Primary 2/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631106 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353253 Refinance Cash-out - Other Primary 2/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631107 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353253 Refinance Cash-out - Other Primary 2/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631108 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000.           Provide missing documentation
1353253 Refinance Cash-out - Other Primary 2/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631109 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631147 Missing Document: Missing Final 1003             Provide missing documentation
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631148 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631149 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631150 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631151 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631152 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631153 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354021 Refinance Cash-out - Other Primary 4/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631154 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631163 Missing Document: Missing Final 1003             Provide missing documentation
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631164 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631165 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631166 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631167 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631168 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631169 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631171 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12631172 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): A copy of the "XXX Equity Maximizer Initial Disclosure Statement" has been located. This document indicates no fees charged to the borrower. Also a copy of the "XXX Equity Maximizer Agreement and Disclosure Statement" (the Note) is being provided. The Note also indicates no fees charged to the borrower. Please refer to pages 4 of the Note which states that initial index is 6.75% and margin is 1.24%. This equates to an initial rate of 7.99%. The Note also states that APR is 7.99%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.99%. In addition, the Note also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Important Terms Early Disclosure provided is dated 2/XX/2007. Missing Important Terms Early Disclosure for subject loan (2005) needed for evidence of disclosure that Lender pays all fees. Exception remains.  
1353181 Refinance Cash-out - Other Primary 10/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631173 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631217 Missing Document: Missing Final 1003             Provide missing documentation
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631218 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631219 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631220 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631221 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631222 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12631223 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 8.250% and margin is 1.490%. This equates to an initial rate of 9.740%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 9.740%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 9.740%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Actual disclosure of costs and fees not provided. Exception remains.  
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631224 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631225 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631226 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355221 Refinance Cash-out - Other Primary 4/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631227 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631246 Missing Document: Missing Final 1003             Provide missing documentation
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631247 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631248 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631249 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631250 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631251 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631252 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631253 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350380 UTD UTD Primary 9/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631254 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631282 Missing Document: Missing Final 1003             Provide missing documentation
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631283 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631284 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631285 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631286 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631287 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631288 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631289 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631291 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631292 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631293 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631294 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353477 Refinance Cash-out - Other Primary 1/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631295 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631307 Missing Document: Missing Final 1003             Provide missing documentation
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631308 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631309 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631310 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631311 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631312 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631313 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631314 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631315 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1355407 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631316 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631317 Missing Document: Missing Final 1003             Provide missing documentation
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631318 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631319 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631320 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631321 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631322 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631323 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631324 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631325 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631326 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.           Provide missing documentation
1350897 Refinance Cash-out - Other Primary 9/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631327 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2008, prior to three (3) business days from transaction date of 09/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631328 Missing Document: Missing Final 1003             Provide missing documentation
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12631329 Missing Document: Security Instrument not provided             Provide missing documentation
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631330 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631331 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631332 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631333 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631334 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631335 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631336 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353254 Refinance UTD Primary 8/XX/2001 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631337 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001.           Provide missing documentation
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631350 Missing Document: Missing Final 1003             Provide missing documentation
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631351 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002.           Provide missing documentation
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631352 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631353 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631354 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631355 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631356 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352551 Refinance Cash-out - Other Primary 1/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631357 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631358 Missing Document: Missing Final 1003             Provide missing documentation
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631359 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631360 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631361 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631362 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631363 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631364 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352621 Refinance Cash-out - Other Primary 2/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631365 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002.           Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Loan File Compliance Cleared 06/06/2019 1 12631366 (Missing Doc) Loan images/file not provided   Status is missing unable to do compliance testing or to determine if testing is required.       (2019-07-12): HELOC Agreement provided. Exception cleared. Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631367 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Cleared 06/06/2019 1 12631368 (Doc Error) Initial GFE not provided           (2019-07-12): HELOC Agreement provided. Exception cleared.  
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12631369 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631370 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12631371 Note Error: Maturity date is blank.   Missing Security Instrument and not provided on the HELOC Agreement.          
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631372 Missing Document: Missing Final 1003             Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12631373 Missing Document: Security Instrument not provided             Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631374 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631375 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631376 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631377 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.           Provide missing documentation
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631378 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631379 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350223 UTD UTD UTD 12/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631380 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631381 Missing Document: Missing Final 1003             Provide missing documentation
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12631382 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631383 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631384 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631385 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631386 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631387 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631388 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631389 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354818 UTD UTD UTD 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631390 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631391 Missing Document: Missing Final 1003             Provide missing documentation
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631392 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631393 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631394 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631395 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631396 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631397 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631398 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351822 UTD UTD Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631399 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12631437 Missing Document: Security Instrument not provided   Only pg 1 of Recorded Mortgage in file.         Provide missing documentation
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631438 Missing Document: Missing Final 1003             Provide missing documentation
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631439 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631440 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12631441 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631442 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631443 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631445 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631446 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631447 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631448 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631449 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12631450 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.25% and margin is 1.24%. This equates to an initial rate of 9.49%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 9.49%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 9.49%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352250 Refinance UTD UTD 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631451 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631453 Missing Document: Missing Final 1003             Provide missing documentation
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631454 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631455 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631456 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631458 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631459 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period min not allowed per state (MA) - min grace period for MA is 15 days - note states 10          
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631460 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631461 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12631462 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page 4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" (the Note) which states that initial index is 8.25% and margin is 1.49%. This equates to an initial rate of 9.74%. The Note also states that APR is 9.74%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 9.74%. In addition, the Note also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. (2019-07-12): Actual disclosure of costs and fees not provided. Exception remains.  
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631463 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353072 Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631464 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631491 Missing Document: Missing Final 1003             Provide missing documentation
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631492 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631493 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631494 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period min not allowed per state (MA) - min grace period for MA is 15 days - note states 10          
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631495 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631496 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631497 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631498 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631499 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1354362 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631501 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631502 Missing Document: Missing Final 1003             Provide missing documentation
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631503 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631504 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631505 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631506 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631507 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631508 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631509 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631510 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631511 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631512 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631513 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631514 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355455 Refinance Cash-out - Other Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631515 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631538 Missing Document: Missing Final 1003             Provide missing documentation
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631539 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631540 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631541 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631542 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MA)          
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631543 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631545 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631546 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. The greater of $10 or 5% late charge exceeds 3% maximum per state (MA)          
1351892 Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631547 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631548 Missing Document: Missing Final 1003             Provide missing documentation
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631549 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631550 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631551 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631553 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631554 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631555 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352810 Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631556 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631606 Missing Document: Missing Final 1003             Provide missing documentation
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631607 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631608 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631609 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631610 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631611 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631612 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631613 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631614 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631615 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353502 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631616 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631631 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631632 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631633 Missing Document: Missing Final 1003             Provide missing documentation
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631634 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631635 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631637 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631638 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MA)          
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631639 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds 3% maximum per state (MA)          
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631640 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631641 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631642 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1354855 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631643 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631644 Missing Document: Missing Final 1003             Provide missing documentation
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631645 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631646 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631647 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631648 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631649 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631650 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631651 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631652 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631653 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631654 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352514 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631655 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631668 Missing Document: Missing Final 1003             Provide missing documentation
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631669 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631670 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631671 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631672 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631673 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631674 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631676 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631677 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631678 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631679 Rhode Island Home Loan (High Cost Analysis Not In File) Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631680 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631681 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631682 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631683 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631684 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.            
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631685 (Missing Data) Last Transaction Date Last Transaction Date Missing. Unable to conclusively determine if loan is subject to Rhode Island Tangible Net Benefit           Provide missing documentation
1351556 Refinance Cash-out - Other Primary 12/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12631686 Rhode Island Tangible Net Benefit Testing Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.            
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631687 Missing Document: Missing Final 1003             Provide missing documentation
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631688 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631689 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631690 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631691 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631692 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631693 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631694 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631695 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631696 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631697 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631698 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631699 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355487 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631700 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631711 Missing Document: Missing Final 1003             Provide missing documentation
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631712 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631713 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631714 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631715 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631716 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2008.           Provide missing documentation
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631717 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631718 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631720 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631721 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state - MA.          
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631722 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631723 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354666 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631724 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information. 5% or $29, whichever is greater, late charge exceeds the 10% or $10, whichever is less, maximum late charge per state - MA.          
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631746 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631747 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631748 Missing Document: Missing Final 1003             Provide missing documentation
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631749 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631750 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631751 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631752 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631753 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period min not allowed per state (MO) - min grace period for NY is 15 days - note states 10          
1351198 Refinance Cash-out - Other Primary 6/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631754 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631755 Missing Document: Missing Final 1003             Provide missing documentation
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631756 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631757 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631758 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631759 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631760 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631761 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631762 Final Title Policy is missing. No evidence of title in file.   �File does not contain either Preliminary or Final Title         Provide missing documentation
1350411 Refinance Cash-out - Other Primary 8/XX/2005 MO $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12631763 Missouri Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (MO).          
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631822 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631823 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631824 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631825 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631826 Missing Document: Missing Final 1003             Provide missing documentation
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631827 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631828 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354547 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631829 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631830 Missing Document: Missing Final 1003             Provide missing documentation
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631831 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631832 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631833 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631834 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631835 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631836 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354703 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631837 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631846 Missing Document: Missing Final 1003             Provide missing documentation
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631847 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12631848 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631849 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631850 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631851 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631852 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631853 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631854 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1353902 Refinance UTD UTD 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631855 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355296 Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631856 Missing Document: Missing Final 1003             Provide missing documentation
1355296 Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631857 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355296 Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631858 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355296 Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631859 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355296 Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631860 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355296 Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631861 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1355296 Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631862 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631864 Missing Document: Missing Final 1003             Provide missing documentation
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631865 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631866 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631867 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631868 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631869 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631870 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352746 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631871 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631872 Missing Document: Missing Final 1003             Provide missing documentation
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631873 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12631874 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631875 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631876 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631877 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631878 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631879 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631880 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631881 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354285 Refinance UTD UTD 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631882 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631895 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631896 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631897 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631898 Missing Document: Missing Final 1003             Provide missing documentation
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631899 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631900 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631901 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631902 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350649 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631903 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631905 Missing Document: Missing Final 1003             Provide missing documentation
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631906 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631907 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631908 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631909 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631910 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631911 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631912 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2001.           Provide missing documentation
1351520 Refinance Cash-out - Other Primary 10/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631913 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631914 Missing Document: Missing Final 1003             Provide missing documentation
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631915 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12631916 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12631917 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631918 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12631919 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12631920 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to pages #2-3 of the "Credit Agreement Disclosure" which states that initial index is 4.250% and margin is 3.000%. This equates to an initial rate of 7.250%. The "Credit Agreement Disclosure" also states that APR is 7.250%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6%. In addition, the "Credit Agreement Disclosure" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631921 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/21/2019 1 12631922 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Replaced with Exception with fees. Provide missing documentation
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631923 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.           Provide missing documentation
1351175 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631924 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631925 Missing Document: Missing Final 1003             Provide missing documentation
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631926 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631927 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631928 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631929 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631930 TILA HELOC - Tax Advisor Statement Missing Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor.           Provide missing documentation
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631931 TILA HELOC - Impermissible Provision on HELOC Agreement Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances.            
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631932 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631933 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631934 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631935 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353828 Refinance Cash-out - Other Primary 9/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631936 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12631945 Missing Document: Missing Final 1003             Provide missing documentation
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12631946 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12631947 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12631948 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631949 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631950 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631951 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631952 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631953 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631954 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631955 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
1353591 Refinance Cash-out - Other UTD 3/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12631956 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632000 Missing Document: Missing Final 1003             Provide missing documentation
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632001 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Compliance Open   2 12632002 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632003 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632004 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): . Please refer to pages #2-3 of the "Credit Agreement Disclosure" which states that initial index is 4.250%, this equates to an initial rate of 4.250%. The "Credit Agreement Disclosure" also states that APR is 4.250%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 4.250%. In addition, the "Credit Agreement Disclosure" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632005 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632006 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632007 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632008 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632009 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632011 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002.           Provide missing documentation
1354479 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632012 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2003, prior to three (3) business days from transaction date of 03/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632046 Missing Document: Missing Final 1003             Provide missing documentation
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632047 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632048 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632049 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632051 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632052 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #2 of the "Credit Agreement and Disclosure" which states that initial index is 4.00%. This equates to an initial rate of 4.00%. The "Credit Agreement and Disclosure" also states that APR is 4.00%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 4.00%. In addition, the "Credit Agreement and Disclosure" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632053 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632054 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
1354883 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632055 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632056 Missing Document: Missing Final 1003             Provide missing documentation
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632057 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632058 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632059 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632060 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003.           Provide missing documentation
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632061 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2003, prior to three (3) business days from transaction date of 11/XX/2013.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632062 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632063 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632064 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632065 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352707 Refinance Cash-out - Other Primary 11/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632066 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632067 Missing Document: Missing Final 1003             Provide missing documentation
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632068 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632069 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632070 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632071 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632072 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632073 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353601 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632074 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632076 Missing Document: Missing Final 1003             Provide missing documentation
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632077 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632078 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632079 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632080 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632081 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632082 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632083 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632084 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632085 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632086 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632087 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352993 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632088 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
1352282 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632095 Missing Document: Missing Final 1003             Provide missing documentation
1352282 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632096 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352282 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632097 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352282 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632098 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352282 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632099 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352282 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632100 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632127 Missing Document: Missing Final 1003             Provide missing documentation
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632128 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632129 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632130 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632131 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632132 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to pages #2-3 of the "Credit Agreement Disclosure" which states that initial index is 4.000%, this equates to an initial rate of 4.000%. The "Credit Agreement Disclosure" also states that APR is 4.000%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 4.000%. In addition, the "Credit Agreement Disclosure" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632133 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632134 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632135 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632136 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1352401 Refinance UTD Primary 5/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632137 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2004, prior to three (3) business days from transaction date of 05/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351878 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632138 Missing Document: Missing Final 1003             Provide missing documentation
1351878 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632139 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351878 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632141 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351878 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632142 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351878 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632143 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1351878 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632144 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632145 Missing Document: Missing Final 1003             Provide missing documentation
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632146 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12632147 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12632148 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #3 of the "Credit Agreement and Disclosure" which states that the initial index is 4.25%. The "Credit Agreement and Disclosure" also states that the APR is 4.25%, which is the same as the initial index. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 4.25%. In addition, the "Credit Agreement and Disclosure" also states "The Annual Percentage Rate includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632149 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12632150 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632151 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632152 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1355294 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632153 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354418 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632154 Missing Document: Missing Final 1003             Provide missing documentation
1354418 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632156 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354418 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632157 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1354418 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632158 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354418 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632159 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354418 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632160 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352097 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632169 Missing Document: Missing Final 1003             Provide missing documentation
1352097 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632170 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352097 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632171 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352097 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632172 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352097 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632173 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352097 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632174 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352097 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632175 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632176 Missing Document: Missing Final 1003             Provide missing documentation
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632177 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632178 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632179 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632180 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632181 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632182 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354877 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632183 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632184 Missing Document: Missing Final 1003             Provide missing documentation
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632185 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632186 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632187 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632188 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632189 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632190 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632191 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353957 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632192 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632230 Missing Document: Missing Final 1003             Provide missing documentation
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632231 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632232 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632233 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632234 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632235 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632236 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2001.           Provide missing documentation
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632237 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2001, prior to three (3) business days from transaction date of 09/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351742 Refinance Cash-out - Other Primary 9/XX/2001 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632238 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353311 Refinance Cash-out - Other Primary 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632239 Missing Document: Missing Final 1003             Provide missing documentation
1353311 Refinance Cash-out - Other Primary 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632240 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353311 Refinance Cash-out - Other Primary 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632241 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353311 Refinance Cash-out - Other Primary 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632242 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353311 Refinance Cash-out - Other Primary 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632243 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353311 Refinance Cash-out - Other Primary 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632244 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353311 Refinance Cash-out - Other Primary 1/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632245 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350094 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632267 Missing Document: Missing Final 1003             Provide missing documentation
1350094 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632268 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350094 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632269 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350094 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632270 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350094 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632271 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350094 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632272 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2003.           Provide missing documentation
1350094 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632273 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2004, prior to three (3) business days from transaction date of 02/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632286 Missing Document: Missing Final 1003             Provide missing documentation
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632287 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632288 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632289 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632290 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to pages #2-3 of the "Credit Agreement Disclosure" which states that initial index is 4.750% and margin is 2.000%. This equates to an initial rate of 6.750%. The "Credit Agreement Disclosure" also states that APR is 6.750%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6.750%. In addition, the "Credit Agreement Disclosure" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632291 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632292 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees Provide missing documentation
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12632293 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632294 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
1355513 Refinance Cash-out - Other Primary 11/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632295 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352623 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632296 Missing Document: Missing Final 1003             Provide missing documentation
1352623 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632297 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352623 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632299 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352623 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632300 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352623 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632301 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1352623 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632302 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352449 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632303 Missing Document: Missing Final 1003             Provide missing documentation
1352449 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632304 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352449 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632305 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352449 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632306 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352449 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632307 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1352449 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632308 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350033 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632309 Missing Document: Missing Final 1003             Provide missing documentation
1350033 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632310 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350033 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632311 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350033 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632312 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350033 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632313 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1350516 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632324 Missing Document: Missing Final 1003             Provide missing documentation
1350516 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632325 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350516 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632327 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350516 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632328 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350516 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632329 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1350516 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632330 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350516 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632331 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632341 Missing Document: Missing Final 1003             Provide missing documentation
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632342 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632343 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632344 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632345 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632346 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632347 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632348 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351524 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632349 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632370 Missing Document: Missing Final 1003             Provide missing documentation
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632371 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632372 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632373 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632374 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632375 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632376 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632377 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632378 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351728 Refinance Cash-out - Other Primary 10/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632379 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632403 Missing Document: Missing Final 1003             Provide missing documentation
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632404 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632405 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632406 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632407 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632408 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632409 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632410 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352954 Refinance Cash-out - Other Primary 6/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632411 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632433 Missing Document: Missing Final 1003             Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Cleared 05/23/2019 1 12632434 Missing Document: Security Instrument not provided           (2019-07-12): Mortgage provided. Exception cleared. Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632435 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632436 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632437 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         (2019-07-12): Security Instrument with Notary date provided. Exception cleared.  
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/06/2019 1 12632438 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-07-12): RTC provided. Exception cleared. Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632439 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632440 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632441 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632442 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 6.50% and margin is .75%. This equates to an initial rate of 7.25%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 7.25%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.25%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12632443 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632444 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632445 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632446 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632447 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632448 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351863 Refinance Cash-out - Other Primary 9/XX/2005 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632449 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632464 Missing Document: Missing Final 1003             Provide missing documentation
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632465 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632466 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632467 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632468 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632469 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632470 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632471 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632472 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
1352647 Refinance Cash-out - Other Primary 5/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632473 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632474 Missing Document: Missing Final 1003             Provide missing documentation
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12632475 Missing Document: Security Instrument not provided             Provide missing documentation
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632476 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12632477 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632478 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632479 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632480 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632481 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632482 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632483 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632484 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632485 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353448 UTD UTD UTD 5/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632486 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632487 Missing Document: Missing Final 1003             Provide missing documentation
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632488 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632489 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632490 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632491 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632492 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632493 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355176 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632494 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632495 Missing Document: Missing Final 1003             Provide missing documentation
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632496 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632497 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632498 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632499 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632500 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632501 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632502 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350392 Refinance Cash-out - Other Primary 11/XX/2006 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632503 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632515 Missing Document: Missing Final 1003             Provide missing documentation
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632516 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632517 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632518 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632519 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632520 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632521 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632522 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632523 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632524 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632525 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1353964 UTD UTD Primary 6/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632526 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632555 Missing Document: Missing Final 1003             Provide missing documentation
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632556 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632557 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632558 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632559 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632560 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632561 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632562 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632563 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632564 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355073 Refinance Cash-out - Other Primary 9/XX/2007 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632565 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632576 Missing Document: Missing Final 1003             Provide missing documentation
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632577 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632578 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632579 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632580 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632581 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632582 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632583 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2008, prior to three (3) business days from transaction date of 12/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632584 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632585 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352567 Refinance Cash-out - Other Primary 12/XX/2008 NM $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632586 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008.           Provide missing documentation
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632607 Missing Document: Missing Final 1003             Provide missing documentation
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632608 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632609 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632610 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632611 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632612 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632613 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632614 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632615 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1350082 Refinance Cash-out - Other Primary 2/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632616 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632627 Missing Document: Missing Final 1003   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632628 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632629 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632630 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632631 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632632 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632633 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632634 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632635 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632636 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632637 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632638 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352102 Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632639 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632640 Missing Document: Missing Final 1003             Provide missing documentation
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632641 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632642 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632643 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632644 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632645 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632646 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632647 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351360 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632648 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632667 Missing Document: Missing Final 1003             Provide missing documentation
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632668 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632669 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632670 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632671 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632672 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632673 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.           Provide missing documentation
1354225 Refinance Cash-out - Other Primary 12/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632674 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632715 Missing Document: Missing Final 1003             Provide missing documentation
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632716 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12632717 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632718 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632719 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632720 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632721 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632722 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632723 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632724 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355411 UTD UTD UTD 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632725 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632772 Missing Document: Missing Final 1003             Provide missing documentation
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632773 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12632774 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632775 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632776 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12632777 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "BANA Equity Maximizer Agreement and Disclosure Statement", which states that initial index is 8.25% and margin is -0.010%. This equates to an initial rate of 8.24%. The "BANA Equity Maximizer Agreement and Disclosure Statement" also states that APR is 8.24%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.24%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632778 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632779 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632780 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632781 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632782 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355432 UTD UTD UTD 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632783 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632802 Missing Document: Missing Final 1003             Provide missing documentation
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632803 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632804 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632805 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632806 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632807 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632808 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632809 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632810 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632811 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632812 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354382 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632813 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632814 Missing Document: Missing Final 1003             Provide missing documentation
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632815 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632816 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632817 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632818 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632819 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632820 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632821 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632822 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632823 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632824 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds $18.50 maximum for 2nd liens per state (SC).          
1352394 Refinance Cash-out - Other Primary 8/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632825 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12632871 Missing Document: Missing Final 1003             Provide missing documentation
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12632872 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12632873 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632874 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632875 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632876 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632877 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12632878 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state.            
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632879 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632880 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351077 Refinance Cash-out - Other Primary 3/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12632881 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633000 Missing Document: Missing Final 1003             Provide missing documentation
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633001 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633002 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633003 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633004 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633005 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633006 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633007 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633008 New York Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633009 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633010 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002.           Provide missing documentation
1354919 Refinance UTD Primary 2/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633011 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2003, prior to three (3) business days from transaction date of 02/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633069 Missing Document: Missing Final 1003             Provide missing documentation
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633070 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633071 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633072 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633073 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633074 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633075 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633076 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633077 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002.           Provide missing documentation
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633078 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633079 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354667 Refinance Cash-out - Other Primary 4/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633080 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633081 Missing Document: Missing Final 1003             Provide missing documentation
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633082 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633083 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633084 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2002.           Provide missing documentation
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633085 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633086 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633087 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period i less than the minimum of 15 days per state (NY).          
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633088 New York Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355496 Refinance Cash-out - Other Primary 5/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633089 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2003, prior to three (3) business days from transaction date of 05/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633187 Missing Document: Missing Final 1003             Provide missing documentation
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633188 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633189 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633190 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633191 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633192 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633193 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633194 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633195 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351116 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633196 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633264 Missing Document: Missing Final 1003             Provide missing documentation
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633265 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633266 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633267 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633268 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633269 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633270 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355518 Refinance Cash-out - Other Primary 3/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633271 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633311 Missing Document: Missing Final 1003             Provide missing documentation
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633312 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633313 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633314 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633315 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633316 New York Late Charge Percent Testing Note late charge exceeds maximum per state. The greater of $10 or 5% late charge exceeds 2% maximum per state (NY)          
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633317 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633318 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633319 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633320 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352478 Refinance Cash-out - Other Primary 8/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633321 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633331 Missing Document: Missing Final 1003             Provide missing documentation
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633332 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633333 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633334 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633335 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633336 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633337 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633338 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633339 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354814 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633340 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633355 Missing Document: Missing Final 1003             Provide missing documentation
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633356 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633357 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633358 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633359 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633360 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633361 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633362 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633363 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353150 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633364 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633408 Missing Document: Missing Final 1003             Provide missing documentation
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633409 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633410 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633411 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633413 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633414 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633415 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633416 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633417 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350281 Refinance Cash-out - Other Primary 1/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633418 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633467 Missing Document: Missing Final 1003             Provide missing documentation
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633468 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633469 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633470 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633471 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633472 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633473 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633474 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633475 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633476 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1350081 Refinance Cash-out - Other Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633477 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633478 Missing Document: Missing Final 1003             Provide missing documentation
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633479 Final Title Policy is missing. No evidence of title in file.   File is missing both Preliminary and Final Title.         Provide missing documentation
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633480 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633481 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633482 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633483 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633484 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633485 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354862 Purchase Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633486 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633510 Missing Document: Missing Final 1003             Provide missing documentation
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633511 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633512 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633513 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633514 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633515 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633516 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633517 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633518 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 grace period is less than 15 day minimum per state NY.          
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633519 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum for NY.          
1352977 Refinance UTD Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633520 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633521 Missing Document: Missing Final 1003             Provide missing documentation
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633523 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633524 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12633525 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 8.250% and margin is 0.510%. This equates to an initial rate of 7.740%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 7.740%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.740%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633526 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633527 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633528 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633529 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633530 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633531 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633532 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633533 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351933 Refinance UTD Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633534 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633571 Missing Document: Missing Final 1003             Provide missing documentation
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633572 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633573 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633574 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633575 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633576 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633577 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 grace period is less than 15 day minimum per state NY.          
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633578 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633579 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633580 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355159 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633581 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633605 Missing Document: Missing Final 1003             Provide missing documentation
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633606 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633607 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633608 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633609 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633610 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633611 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633612 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period not allowed per state (NY) - min grace period for NY is 15 days - note states 10 days.          
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633613 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%.          
1354849 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633614 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633615 Missing Document: Missing Final 1003             Provide missing documentation
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633616 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633617 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633618 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633619 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633620 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633621 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633622 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period not allowed per state (NY) - min grace period for NY junior lien is 15 days - note states 10 days.          
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633623 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY junior lien is 2% - note states 5% or $10 whichever is greater.          
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633624 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353839 UTD UTD Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633625 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633626 Missing Document: Missing Final 1003             Provide missing documentation
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633627 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633628 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633629 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633630 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633631 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the minimum 15 days per state - NY.          
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633632 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state - NY.          
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633633 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633634 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633635 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352234 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633636 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633637 Missing Document: Missing Final 1003             Provide missing documentation
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633638 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633639 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633640 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633641 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633642 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period is less than the 15 days minimum per state of NY.          
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633643 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633644 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633645 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1355075 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633646 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state of NY.          
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633707 Missing Document: Missing Final 1003             Provide missing documentation
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633708 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633709 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633710 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633711 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633712 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633713 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633714 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633715 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633716 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 5% late charge exceeds 2% maximum for NY.          
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633717 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 10 grace period is less than 15 day minimum per state NY.          
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633718 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353140 Refinance UTD Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633719 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633779 Missing Document: Missing Final 1003             Provide missing documentation
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633780 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633781 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633782 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633783 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633784 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace is less than the 15 day minimum per state - NY.          
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633785 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state - NY.          
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633786 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633787 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351259 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633788 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633810 Missing Document: Missing Final 1003             Provide missing documentation
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633811 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633812 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633813 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633814 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633815 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633816 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633817 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633818 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633819 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350038 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633820 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633885 Missing Document: Missing Final 1003             Provide missing documentation
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633886 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633887 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633888 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633889 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633890 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633891 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633892 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum required by the state of NY.          
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633893 New York Late Charge Percent Testing Note late charge exceeds maximum per state. The late fee consisting of the greater of $10 or 5% of the over due payment excdeeds the maximum 2% of the over due payment allowed by the state of NY.          
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633894 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633895 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633896 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354671 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633897 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633898 Missing Document: Missing Final 1003             Provide missing documentation
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633899 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633900 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633901 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633902 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633903 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633904 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633905 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633906 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633907 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633908 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633909 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1351584 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633910 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633924 Missing Document: Missing Final 1003             Provide missing documentation
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633925 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633926 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633927 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633928 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633929 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633930 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633931 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633932 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633933 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633934 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633935 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351669 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633936 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633937 Missing Document: Missing Final 1003             Provide missing documentation
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633938 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633939 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633940 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633941 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633942 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633943 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633944 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633945 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633946 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352966 Refinance UTD Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633947 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633959 Missing Document: Missing Final 1003             Provide missing documentation
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12633960 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633961 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633962 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633963 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633964 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633965 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633966 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633967 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633968 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12633969 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633970 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352061 Refinance UTD UTD 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633971 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633972 Missing Document: Missing Final 1003             Provide missing documentation
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633973 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633974 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633975 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633976 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633977 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633978 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633979 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633980 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633981 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633982 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633983 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1351107 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633984 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12633985 Missing Document: Missing Final 1003             Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12633986 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12633987 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633988 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633989 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633990 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633991 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633992 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633993 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12633994 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633995 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633996 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1351133 Refinance Cash-out - Other Primary 8/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12633997 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634103 Missing Document: Missing Final 1003             Provide missing documentation
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634104 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634105 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634106 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634107 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634108 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634109 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634110 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634111 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634112 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634113 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1354245 Refinance UTD Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634114 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634115 Missing Document: Missing Final 1003             Provide missing documentation
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634116 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634117 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634118 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634119 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634120 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634121 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634122 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634123 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634124 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634125 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634126 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634127 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353944 Refinance Cash-out - Other Primary 11/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634128 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Not dated         Provide missing documentation
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634184 Missing Document: Missing Final 1003             Provide missing documentation
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634185 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634186 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634187 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634188 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634189 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634190 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634191 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634192 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634193 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634194 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634195 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634196 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1355289 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634197 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634211 Missing Document: Missing Final 1003             Provide missing documentation
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634212 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634213 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634214 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634215 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634216 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634217 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634218 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634219 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634220 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634221 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634222 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1355291 Refinance UTD Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634223 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634238 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Missing         Provide missing documentation
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634239 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing. Missing         Provide missing documentation
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634240 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. Missing 1003         Provide missing documentation
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634241 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. Missing          
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634242 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. Missing          
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634243 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.   Missing          
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12634244 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.   not evident          
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634245 Final Title Policy is missing. No evidence of title in file.   Missing         Provide missing documentation
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634246 Missing Document: Missing Final 1003   missing         Provide missing documentation
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634247 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634248 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634249 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350172 UTD UTD UTD 4/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634250 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634251 Missing Document: Missing Final 1003             Provide missing documentation
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634252 Final Title Policy is missing. No evidence of title in file.   no preliminary or final title in file         Provide missing documentation
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634253 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634254 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634255 New York Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period min not allowed per state (NY) - min grace period for NY is 15 days - note states 10          
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634256 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634257 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634258 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634259 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634260 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634261 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634262 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
1352898 Refinance Cash-out - Other Primary 7/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634263 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2008, prior to three (3) business days from transaction date of 07/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634264 Missing Document: Missing Final 1003             Provide missing documentation
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634265 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634266 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12634267 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634268 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634269 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634270 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634271 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634272 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634273 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634274 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634275 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634276 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634277 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634278 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634279 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353834 Refinance Cash-out - Other UTD 5/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634280 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634294 Missing Document: Missing Final 1003             Provide missing documentation
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634295 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634296 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634297 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634298 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634299 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634300 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634301 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12634302 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 7.500% and margin is 0.260%. This equates to an initial rate of 7.240%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 7.240%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.240%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634303 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353574 Purchase Primary 3/XX/2006 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634304 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634305 Missing Document: Missing Final 1003             Provide missing documentation
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634306 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634307 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634308 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634309 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634310 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634311 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634312 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634313 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354321 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634314 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634374 Missing Document: Missing Final 1003             Provide missing documentation
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634375 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634376 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634377 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634378 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634379 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than minimum 15 days required for 2nd lien in the State of NJ.          
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634380 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634381 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350865 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634382 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634383 Missing Document: Missing Final 1003             Provide missing documentation
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634384 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634385 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634386 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634387 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634388 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634389 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634390 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355224 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634391 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634392 Missing Document: Missing Final 1003             Provide missing documentation
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634393 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634394 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634395 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634396 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634397 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634398 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634399 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Loan contains an impermissible grace period of less than 15 days.          
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634400 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634401 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1355442 Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634402 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634462 Missing Document: Missing Final 1003             Provide missing documentation
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634463 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634464 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634465 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634466 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634467 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634468 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634469 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634470 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634471 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352143 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634472 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634473 Missing Document: Missing Final 1003             Provide missing documentation
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634474 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634475 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634476 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634477 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634478 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Grace period not allowed per state (NJ) - min grace period for NJ is 15 days - note states 10 days.          
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634479 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634480 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634481 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352203 Refinance Cash-out - Other Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634482 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634492 Missing Document: Missing Final 1003             Provide missing documentation
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634493 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634494 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634495 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634496 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634497 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634498 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634499 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634500 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Signatures were not dated on RTC disclosures         Provide missing documentation
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634501 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634502 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634503 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1350663 Refinance Cash-out - Other Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634504 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351994 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634526 Missing Document: Missing Final 1003             Provide missing documentation
1351994 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634527 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351994 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634528 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351994 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634529 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1351994 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634530 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351994 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634531 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351994 Refinance Cash-out - Other Primary 7/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634532 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634623 Missing Document: Missing Final 1003             Provide missing documentation
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634624 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634625 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634626 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634627 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634628 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634629 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the 15 day minimum per state - NJ.          
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634630 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634631 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634632 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634633 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353849 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634634 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634635 Missing Document: Missing Final 1003             Provide missing documentation
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634636 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634637 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634638 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634639 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634640 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634641 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634642 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634643 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353622 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634644 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634654 Missing Document: Missing Final 1003             Provide missing documentation
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634655 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634656 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634657 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634658 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634659 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634660 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1350736 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634661 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634662 Missing Document: Missing Final 1003             Provide missing documentation
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634663 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634664 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634665 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634666 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634667 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634668 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634669 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1350003 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634670 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634682 Missing Document: Missing Final 1003             Provide missing documentation
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634683 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634684 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634685 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634686 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634687 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634688 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634689 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the state of NJ minimum of 15 days.          
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634690 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634691 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352803 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634692 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634718 Missing Document: Missing Final 1003             Provide missing documentation
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634719 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634720 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634721 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634722 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634723 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634724 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634725 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634726 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634727 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353824 UTD UTD Primary 1/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634728 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634729 Missing Document: Missing Final 1003             Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634730 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634731 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634732 TILA HELOC - Billing Rights Disclosure Missing Unable to test billing rights due to missing information.           Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634733 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634734 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634735 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634736 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634737 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634738 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Grace period per note is 10 days and minimum per NJ is 15 days.          
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634739 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
1351951 Refinance Cash-out - Other Primary 6/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634740 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2008, prior to three (3) business days from transaction date of 06/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634763 Missing Document: Missing Final 1003             Provide missing documentation
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634764 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634765 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634766 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634767 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634768 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634769 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353401 Refinance Cash-out - Other Primary 11/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634770 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634772 Missing Document: Missing Final 1003             Provide missing documentation
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634773 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634774 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634775 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634777 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634778 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12634779 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.25% and margin is -0.510%. This equates to an initial rate of 7.74%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 7.74%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.74%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351435 Refinance Cash-out - Other Primary 5/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634780 Missing Initial Loan Application No Fees No evidence of application date located in file. A lookback period was not able to be performed. Compliance tests were run using an application date of 04/XX/2007 which is one month prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634808 Missing Document: Missing Final 1003             Provide missing documentation
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634809 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634810 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634811 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634812 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634813 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634814 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634815 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634816 Rhode Island Ability to Repay Reliable Documentation Rhode Island High-Cost Loan: Borrower�s ability to repay not verified with reliable documentation.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634817 Rhode Island Assignee Disclosure Rhode Island High-Cost Loan: Mandatory purchaser/assignee disclosure not contained on document that creates debt or pledges property as collateral.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634818 Rhode Island Home Loan Protection Act Counseling Received Rhode Island High-Cost Loan: No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634819 Rhode Island Home Loan Protection Act Disclosure Rhode Island High-Cost Loan: Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634820 Rhode Island Late Charge Rhode Island High-Cost Loan: Loan contains an impermissible late charge.         (2019-07-12): RI Home Late Charge limits do not apply to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634821 (State High Cost) Rhode Island High-Cost Loan (Calculated APR/Rate) Rhode Island Home Loan Protection Act: Loan is high-cost due to Rate Threshold is exceeded by 10.31000%. ARM Life Max of 24.00000% exceeds a threshold of 13.69000% based on the US Treasury for comparable maturities of 4.69000% plus jurisdiction allowable margin of 9.00000%. Non-Compliant High Cost Loan.         (2019-07-12): RI Home Rate Threshold is not applicable to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634822 Rhode Island Tangible Net Benefit Testing Rhode Island Home Loan: Unable to determine if refinance of existing home loan consummated within the past sixty months was made without a tangible net benefit to the borrower due to missing prior loan information.         (2019-07-12): RI Home TNB testing is not applicable to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634823 Rhode Island Home Loan (Invoices for Third Party Fees Not in File - Unable to Determined if Bona Fide) Rhode Island Home Loan: No documentation in loan file to confirm third party fees listed on the HUD-1.         (2019-07-12): RI third party fees limits are not applicable to a national bank, regraded to EV2-B  
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634824 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1353106 Refinance Cash-out - Other Primary 1/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634825 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634826 Missing Document: Missing Final 1003             Provide missing documentation
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634827 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634828 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634829 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634830 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634831 Rhode Island Assignee Disclosure Rhode Island High-Cost Loan: Mandatory purchaser/assignee disclosure not contained on document that creates debt or pledges property as collateral.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634832 Rhode Island Home Loan Protection Act Counseling Received Rhode Island High-Cost Loan: No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634833 Rhode Island Home Loan Protection Act Disclosure Rhode Island High-Cost Loan: Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634834 (State High Cost) Rhode Island High-Cost Loan (Calculated APR/Rate) Rhode Island Home Loan Protection Act: Loan is high-cost due to Rate Threshold is exceeded by 10.14000%. ARM Life Max of 24.00000% exceeds a threshold of 13.86000% based on the US Treasury for comparable maturities of 4.86000% plus jurisdiction allowable margin of 9.00000%. Non-Compliant High Cost Loan.         (2019-07-12): RI Home Rate Threshold is not applicable to a national bank, regraded to EV2-B  
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634835 Rhode Island Tangible Net Benefit Testing Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.         (2019-07-12): RI Home TNB testing is not applicable to a national bank, regraded to EV2-B  
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634836 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634837 Rhode Island Ability to Repay Reliable Documentation Rhode Island High-Cost Loan: Borrower�s ability to repay not verified with reliable documentation.         (2019-07-12): RI Home Loan Protection Act does not apply to a national bank, regraded to EV2-B  
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634838 Rhode Island Home Loan (Invoices for Third Party Fees Not in File - Unable to Determined if Bona Fide) Rhode Island Home Loan: No documentation in loan file to confirm third party fees listed on the HUD-1.         (2019-07-12): RI third party fees limits are not applicable to a national bank, regraded to EV2-B  
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634839 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634840 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634841 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634842 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355178 Refinance Cash-out - Other Primary 3/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12634843 Rhode Island Late Charge Rhode Island High-Cost Loan: Loan contains an impermissible late charge.         (2019-07-12): RI Home Late Charge limits do not apply to a national bank, regraded to EV2-B  
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634858 Missing Document: Missing Final 1003             Provide missing documentation
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634859 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634860 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634861 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634862 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634864 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634865 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634866 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.            
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634867 Rhode Island Home Loan (High Cost Analysis Not In File) Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.            
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634868 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.            
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12634869 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634870 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634871 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351798 Refinance Cash-out - Other Primary 6/XX/2007 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634872 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12634900 Missing Document: Missing Final 1003             Provide missing documentation
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12634901 Final Title Policy is missing. No evidence of title in file.   File does not contain either the Final or Preliminary Title         Provide missing documentation
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12634902 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634903 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.           Provide missing documentation
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634904 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634905 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634906 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634907 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354618 Refinance Cash-out - Other Primary 7/XX/2003 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12634908 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Loan File Compliance Cleared 05/31/2019 1 12635031 (Missing Doc) Incomplete loan images/file   File only contains Mortgage. Missing Note/HELOC Agreement. Insufficient documents to complete compliance.       (2019-07-12): HELOC Agreement provided. Exception cleared. Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635032 Missing Document: Missing Final 1003             Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Compliance Cleared 05/31/2019 1 12635033 Missing Document: Missing Lender's Initial 1003           (2019-07-12): Exception cleared and replaced with Exception ID 7027 Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Compliance Cleared 05/31/2019 1 12635034 Missing Document: Note - Subject Lien not provided           (2019-07-12): HELOC Agreement provided. Exception cleared. Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635035 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635036 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12635037 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635038 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635039 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635040 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635041 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635042 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350020 UTD UTD UTD 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635043 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635072 Missing Document: Missing Final 1003             Provide missing documentation
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635073 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635074 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635075 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635076 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635077 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635078 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635079 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352356 Refinance Cash-out - Other Primary 7/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635080 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635081 Missing Document: Missing Final 1003             Provide missing documentation
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635082 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635083 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635084 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635085 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635086 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635087 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351176 UTD UTD Primary 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635088 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635089 Missing Document: Missing Final 1003             Provide missing documentation
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635090 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12635091 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.         (2019-07-12): Evidence of no fees paid by borrower per Closing Instructions and Disbursement Agreement signed by Borrower. Exception cleared.  
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635092 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12635093 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception replaced with one with fees. Provide missing documentation
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635094 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12635095 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12635096 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/01/2019 1 12635097 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Closing Instructions and Disbursement Agreement signed by Borrower. Exception cleared.  
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635098 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1353609 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635099 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635175 Missing Document: Missing Final 1003             Provide missing documentation
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635176 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635177 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635178 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635179 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635180 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635181 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351102 Refinance Cash-out - Other Primary 1/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635182 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635239 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635240 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635241 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635242 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12635243 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the state of NJ minimum grace period of 15 days.          
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635244 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635245 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635246 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353327 Refinance Cash-out - Other Primary 12/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635247 Missing Document: Missing Final 1003             Provide missing documentation
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635248 Missing Document: Missing Final 1003             Provide missing documentation
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635250 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635251 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635252 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635253 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635254 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635255 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635256 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
1350191 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635257 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635276 Missing Document: Missing Final 1003             Provide missing documentation
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12635277 Missing Document: Security Instrument not provided             Provide missing documentation
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635278 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12635279 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635280 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635281 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635282 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635283 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635284 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635285 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635286 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635287 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635288 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1351949 Refinance Cash-out - Other UTD 12/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635289 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635308 Missing Document: Missing Final 1003             Provide missing documentation
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635309 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635310 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635311 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635312 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635313 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635314 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635315 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350656 Refinance Cash-out - Other Primary 6/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635316 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635327 Missing Document: Missing Final 1003             Provide missing documentation
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635328 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635329 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635330 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635331 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635332 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635333 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635334 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635335 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1350775 Refinance Cash-out - Other Primary 5/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635336 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635337 Missing Document: Missing Final 1003             Provide missing documentation
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635338 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635339 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635340 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635341 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635342 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635343 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635344 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350425 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635345 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635367 Missing Document: Missing Final 1003             Provide missing documentation
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635368 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635369 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635370 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635371 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635372 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635373 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354982 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635374 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635539 Missing Document: Missing Final 1003             Provide missing documentation
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635540 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635541 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635542 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635543 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635544 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635545 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.           Provide missing documentation
1351449 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635546 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635548 Missing Document: Missing Final 1003             Provide missing documentation
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635549 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635550 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12635551 Missing Document: Security Instrument not provided             Provide missing documentation
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635552 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635553 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635554 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MA)          
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635555 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635556 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635557 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635558 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635559 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds 3% maximum per state (MA)          
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635560 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354022 Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635561 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635571 Missing Document: Missing Final 1003             Provide missing documentation
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635572 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635573 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635574 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635575 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635576 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635577 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350848 Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635578 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635603 Missing Document: Missing Final 1003             Provide missing documentation
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635605 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635606 Final Title Policy is missing. No evidence of title in file.   �File does not contain either Preliminary or Final Title         Provide missing documentation
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635607 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635608 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635609 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635610 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635611 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635612 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635613 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635614 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353197 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635615 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12635639 Missing Document: Security Instrument not provided             Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635640 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635641 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/06/2019 1 12635642 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.         (2019-07-12): HELOC Agreement indicates Brochure was provided at time of application. Exception cleared. Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/06/2019 1 12635643 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.         (2019-07-12): HELOC Agreement indicates Important Terms Disclosure was provided at time of application. Exception cleared. Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12635644 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "XXX Equity Maximizer Agreement and Disclosure Statement" which states that initial index is 6.750% and margin is 0.510%. This equates to an initial rate of 6.240%. The "XXX Equity Maximizer Agreement and Disclosure Statement" also states that APR is 6.240%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6.240%. In addition, the "XXX Equity Maximizer Agreement and Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Actual disclosure of costs and fees not provided. Exception remains.  
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635645 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635646 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635647 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635648 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635649 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635650 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635651 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354477 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635652 Missing Document: Missing Final 1003             Provide missing documentation
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635708 Missing Document: Missing Final 1003             Provide missing documentation
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635709 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635710 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635711 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635712 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635713 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635714 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635715 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635716 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635717 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the minimum 15 days required by the state of MA.          
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635718 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. late charge of the greater of $10 or 5% exceeds the maximum lesser of $10 or 10% allowed by the state of MA for open ended liens.          
1353105 Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635719 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635782 Missing Document: Missing Final 1003             Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Compliance Cleared 05/30/2019 1 12635783 Missing Document: Note - Subject Lien not provided           (2019-07-12): HELOC Agreement provided. Exception cleared. Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635784 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635785 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/30/2019 1 12635786 TILA HELOC - Credit Agreement Missing Truth in Lending Act (HELOC): Credit Agreement not provided to borrower         (2019-07-12): HELOC Agreement provided. Exception cleared. Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Compliance Cleared 05/30/2019 1 12635787 Missing Document: Missing Lender's Initial 1003           (2019-07-12): Exception cleared and replaced with Exception ID 7027 Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Loan File Compliance Cleared 05/30/2019 1 12635788 (Missing Doc) Incomplete loan images/file   File only contains Mortgage, HUD & RTC. Compliance testing not completed.       (2019-07-12): HELOC Agreement provided. Exception cleared. Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12635789 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635790 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635791 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635792 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635793 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635794 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635795 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635796 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. Minimum grace period is 15 days for state of MA. HELOC Agreement indicates grace period is 10 days.          
1353272 Refinance Cash-out - Other UTD 10/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635797 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635838 Missing Document: Missing Final 1003             Provide missing documentation
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635839 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635840 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MA)          
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635841 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635842 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635843 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635844 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635845 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635846 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635847 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1354012 Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635848 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds 3% maximum per state (MA)          
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635878 Missing Document: Missing Final 1003             Provide missing documentation
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635879 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635880 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635881 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635882 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635883 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635884 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635885 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635886 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351665 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635887 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635911 Missing Document: Missing Final 1003             Provide missing documentation
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635912 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635913 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635914 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635915 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635916 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635917 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635918 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635919 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635920 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635921 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1350148 Refinance Cash-out - Other Primary 1/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635922 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635949 Missing Document: Missing Final 1003             Provide missing documentation
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635950 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635952 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635953 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635954 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635955 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12635956 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635957 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635958 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351527 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635959 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12635974 Missing Document: Missing Final 1003             Provide missing documentation
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12635975 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635976 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635977 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635978 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635979 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635980 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12635981 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635982 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12635983 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635984 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635985 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635986 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351489 UTD UTD Primary 5/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12635987 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636014 Missing Document: Missing Final 1003             Provide missing documentation
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636015 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636016 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636017 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636018 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period is less than the 15 days minimum per state of MA.          
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636019 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636020 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636021 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636022 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636023 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636024 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636025 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355469 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636026 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636027 Missing Document: Missing Final 1003             Provide missing documentation
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636028 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636029 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636030 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636031 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636032 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636033 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636034 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636035 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636036 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period min not allowed per state (MA) - min grace period for MA is 15 days - note states 10          
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636037 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information. 5% late charge exceeds 3% maximum per state (MA)          
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636038 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353461 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636039 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636109 Missing Document: Missing Final 1003             Provide missing documentation
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636110 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636111 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636112 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636113 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636114 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636115 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636116 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636117 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636119 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636120 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636121 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352366 Refinance UTD Primary 8/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636122 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636123 Missing Document: Missing Final 1003             Provide missing documentation
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636124 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636125 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636126 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636127 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636128 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636129 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636130 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MA).          
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636131 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge equal to $60.33 exceeds $10 maximum for open end credit line per state (MA).          
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636132 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352391 Refinance Cash-out - Other Primary 9/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636133 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636160 Missing Document: Missing Final 1003             Provide missing documentation
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636161 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636162 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636163 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636164 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636165 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636166 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636167 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636168 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636169 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 minimum required in the state of MA.          
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636170 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds 3% maximum in the state of MA.          
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636171 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354164 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636172 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636173 Missing Document: Missing Final 1003             Provide missing documentation
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636174 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636175 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636176 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636177 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636178 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636179 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636180 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636181 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636182 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636184 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636185 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636186 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1352874 Refinance UTD Primary 12/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636187 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636188 Missing Document: Missing Final 1003             Provide missing documentation
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636189 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636190 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636191 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636192 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636193 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636194 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MA)          
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636195 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds 3% maximum per state (MA)          
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636196 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636197 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636198 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636199 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350289 Refinance Cash-out - Other Primary 11/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636200 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636213 Missing Document: Missing Final 1003             Provide missing documentation
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636214 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636215 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636216 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636217 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636218 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636219 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354746 Refinance Cash-out - Other Primary 1/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636220 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636221 Missing Document: Missing Final 1003             Provide missing documentation
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636222 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636223 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636224 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636225 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636226 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636227 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636228 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636229 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355054 Refinance Cash-out - Other Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636230 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636250 Missing Document: Missing Final 1003             Provide missing documentation
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12636251 Missing Document: Security Instrument not provided             Provide missing documentation
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636252 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636253 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636254 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636256 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636257 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636258 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636259 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance County Compliance Compliance Open   3 12636260 ILAPLD - Missing Certificate of Compliance/Exemption IL Cook County (HB 4050) - Certificate of Compliance or Exemption not attached to mortgage for recording.     (2019-07-12): According to the State of Illinois, the Certificate of Compliance or Exemption is only required if Mortgage was closed after July 1, 2008. Please note that our subject Equity Line of Credit was originated on December XX, 2006. Therefore, the aforementioned document was not required. We have included the State of Illinois lending database with the Heloc Agreement from origination for your reference   (2019-07-12): HB 4050 was in effect from 9/1/06 to 1/19/07 for the pilot program which applied to 10 zip codes within Cook County (60620, 60621, 60623, 60628, 60629, 60632, 60636, 60638, 60643 and 60652). Subject property zip code XXX. Exception remains. Provide missing documentation
1351112 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636261 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636262 Missing Document: Missing Final 1003             Provide missing documentation
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636263 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636264 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636265 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636266 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636267 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636268 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636269 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12636270 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.25% and margin is -0.010%. This equates to an initial rate of 8.24%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 8.24%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.24%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636271 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353704 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636272 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636312 Missing Document: Missing Final 1003             Provide missing documentation
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636313 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636314 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636316 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636317 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12636318 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): In lieu of the TIL and HELOC Fee Agreement, see the Disbursement Request and Authorization form, the Boarding Data Sheet, and the Request for Closing Documents form attached completed for subject lien reflecting no fees were paid in association with this loan transaction. Loan date: 10/XX/03; Loan amt: $XXX. (2019-07-12): We would point out that on page #2 of the "Credit Agreement and Disclosure" states that initial index is 4.00% and margin at -0.50%, which equates to an initial rate of 3.50%. Accordingly, the "Credit Agreement and Disclosure" also indicates the APR at 3.50%, which is the same as the initial rate. This confirms that there were no other fees/costs at account opening. Otherwise, APR would be higher than 3.50%. In addition, page 2 of the "Credit Agreement and Disclosure" specifically states" The ANNUAL PERCENTAGE RATE includes only interest and no other costs." Lastly, the Request for Closing Documents along with the Boarding Data Sheet under Fees and Charges, no fees or charges were being disbursed at closing. As such, there were no fees or costs to the subject loan. (2019-07-12): File documentation included the XXX Credit Agreement & Disclosure dated 10/XX/2003, which did not identify any specific fees due at loan closing. This is evidenced by two documents identified as Request for Closing Documents dated 10/XX/03 and the Boarding Data Sheet dated 10/XX/03: neither document reflected any fees or charges on this loan.   (2019-07-12): Disbursement Request and Authorization not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. (2019-07-12): Evidence of disclosure of no costs and fees provided to the borrower still missing. Exception remains.  
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636319 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350490 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636320 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350642 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636365 Missing Document: Missing Final 1003             Provide missing documentation
1350642 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636366 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350642 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636367 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350642 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636368 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1350642 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636369 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350642 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636370 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351095 Refinance UTD Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636459 Missing Document: Missing Final 1003             Provide missing documentation
1351095 Refinance UTD Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636460 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351095 Refinance UTD Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636461 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351095 Refinance UTD Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636462 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1351095 Refinance UTD Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636463 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351095 Refinance UTD Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636464 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351095 Refinance UTD Primary 5/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636465 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636474 Missing Document: Missing Final 1003             Provide missing documentation
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636475 Final Title Policy is missing. No evidence of title in file.   The loan file does not contain either Preliminary or Final Title         Provide missing documentation
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12636476 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12636477 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12636478 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/04/2019 1 12636479 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.         (2019-07-12): Disbursement Request and Authorization provided for review. Exception cleared. Provide missing documentation
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636480 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12636481 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): This loan closed under the line of credit program issued through XXX NA which is an open-end line of credit (HELOC). Please note that the Equity Line of Credit Agreement and Disclosure serves as both the Note and final TIL disclosure required under Regulation Z. Under this program, the bank did not charge any origination fees. This is evidenced by the Disbursement Instructions which break down the fees and charges associated with the loan and confirm that there were no fees charged and the only disbursements made by the bank was to pay off the existing loan with XXX, US Dept. Ed, and 2 other Citi cards. As such, no fees were charged at origination.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12636482 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees Provide missing documentation
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636483 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353062 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636484 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354084 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636551 Missing Document: Missing Final 1003             Provide missing documentation
1354084 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636552 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354084 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636553 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354084 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636554 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1354084 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636555 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354084 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636556 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636633 Missing Document: Missing Final 1003             Provide missing documentation
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636634 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636635 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636636 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636637 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636638 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636639 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636640 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636641 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354073 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636642 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352200 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636659 Missing Document: Missing Final 1003             Provide missing documentation
1352200 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636661 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352200 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636662 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352200 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636663 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1352200 Refinance Cash-out - Other Primary 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636664 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636684 Missing Document: Missing Final 1003             Provide missing documentation
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636685 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636686 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636687 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636688 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636689 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636690 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636691 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636692 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636693 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636694 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353141 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636695 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12636761 Missing Document: Security Instrument not provided             Provide missing documentation
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636762 Missing Document: Missing Final 1003             Provide missing documentation
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636763 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12636764 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636765 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636766 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636767 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636768 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636769 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636770 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636771 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352091 Refinance Cash-out - Other UTD 1/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636772 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1350037 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636855 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1350037 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636856 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350037 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636857 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636870 Missing Document: Missing Final 1003             Provide missing documentation
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636871 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636872 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636873 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636874 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636875 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636876 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636877 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1351490 Refinance Cash-out - Other Primary 1/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636878 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636880 Missing Document: Missing Final 1003             Provide missing documentation
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636881 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636882 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636883 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636884 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636885 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636886 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636887 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636888 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636889 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355101 Refinance Cash-out - Other Primary 2/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636890 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636891 Missing Document: Missing Final 1003             Provide missing documentation
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636892 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636893 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636894 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636895 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636896 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636897 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636898 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636899 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1352457 Refinance Cash-out - Other Primary 4/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636900 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state.            
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636935 Missing Document: Missing Final 1003             Provide missing documentation
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636936 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636937 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636938 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636939 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636940 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636941 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636942 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352219 Refinance Cash-out - Other Primary 12/XX/2006 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636943 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1354726 Purchase Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636944 Missing Document: Missing Final 1003             Provide missing documentation
1354726 Purchase Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636945 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354726 Purchase Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636946 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354726 Purchase Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636947 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1354726 Purchase Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636948 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354726 Purchase Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636949 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1354726 Purchase Primary 1/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636950 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636951 Missing Document: Missing Final 1003             Provide missing documentation
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636952 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636953 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636954 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636955 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636956 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636957 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636958 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636959 Final Title Policy is missing. No evidence of title in file.   �File does not contain either Preliminary or Final Title         Provide missing documentation
1350450 Refinance Cash-out - Other Primary 2/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636960 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636970 Missing Document: Missing Final 1003             Provide missing documentation
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636971 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636972 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636973 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636974 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636975 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636976 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636977 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636978 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636979 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1351695 Refinance Cash-out - Other Primary 4/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636980 South Carolina Late Charge Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12636990 Missing Document: Missing Final 1003             Provide missing documentation
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12636991 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12636992 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636993 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636994 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636995 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636996 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12636997 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636998 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1350183 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12636999 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state.            
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637000 Missing Document: Missing Final 1003             Provide missing documentation
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637001 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637002 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637003 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637004 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637005 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637006 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12637007 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
1353899 Refinance UTD Primary 4/XX/2008 SC $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12637008 South Carolina Late Charge Amount Testing Note late charge exceeds maximum per state.            
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637009 Missing Document: Missing Final 1003             Provide missing documentation
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637010 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637011 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637012 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637013 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637014 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637015 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350794 Refinance Cash-out - Other Primary 5/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637016 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637026 Missing Document: Missing Final 1003             Provide missing documentation
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637027 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637028 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637029 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637030 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637031 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637032 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354221 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637033 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637034 Missing Document: Missing Final 1003             Provide missing documentation
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637035 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637036 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637037 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637038 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637039 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637040 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353765 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637041 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637051 Missing Document: Missing Final 1003             Provide missing documentation
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637052 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637053 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637054 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637055 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637056 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637057 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637058 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352407 UTD UTD Primary 2/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637059 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637081 Missing Document: Missing Final 1003             Provide missing documentation
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637082 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637083 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637084 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637085 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637086 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637087 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637088 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637089 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351248 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637090 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637091 Missing Document: Missing Final 1003             Provide missing documentation
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637092 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637093 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637094 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637095 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637096 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637097 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637098 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355283 UTD UTD Primary 4/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637099 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637100 Missing Document: Missing Final 1003             Provide missing documentation
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637101 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637102 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637103 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637104 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637105 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637106 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637107 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637108 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1352367 Refinance Cash-out - Other Primary 8/XX/2007 NV $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637109 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637119 Missing Document: Missing Final 1003             Provide missing documentation
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12637120 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637121 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637122 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637123 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637124 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637125 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637126 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637127 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355200 Refinance Cash-out - Other UTD 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637128 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637129 Missing Document: Missing Final 1003             Provide missing documentation
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637130 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637131 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637132 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637133 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637134 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637135 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637136 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1351034 Refinance Cash-out - Other Primary 6/XX/2006 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637137 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637146 Missing Document: Missing Final 1003             Provide missing documentation
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637147 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637148 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637149 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637150 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637151 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637152 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354978 Refinance Cash-out - Other Primary 1/XX/2007 WA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637153 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637173 Missing Document: Missing Final 1003             Provide missing documentation
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637174 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637175 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637176 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637177 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637178 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637179 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637181 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12637182 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 5.75%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 5.75%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 5.75%. In addition, the "Equity Maximizer Agreement Disclosure Statement" specifically states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose. (2019-07-12): This loan closed under the XXX Equity Maximizer program which is an open-end line of credit (HELOC). For this program, the HELOC Agreement serves as both the Note and final TIL disclosure required under Regulation Z. Please note the initial disclosure was not required to be signed and indicates the Bank will pay all closing costs up to $500,000 with some exceptions.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. (2019-07-12): Important Terms Early Disclosure provided is dated 2/XX/2007. Missing Important Terms Early Disclosure for subject loan (2005) needed for evidence of disclosure that Lender pays all fees. Exception remains.  
1351157 Refinance Cash-out - Other Primary 4/XX/2005 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637183 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637258 Missing Document: Missing Final 1003             Provide missing documentation
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637259 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637260 Final Title Policy is missing. No evidence of title in file.   Title does not contain either Preliminary or Final Title.         Provide missing documentation
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637261 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637262 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637263 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637264 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637265 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351614 Refinance Cash-out - Other Primary 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637266 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637268 Missing Document: Missing Final 1003             Provide missing documentation
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637269 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12637270 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637271 Final Title Policy is missing. No evidence of title in file.   The loan file is missing Title Information.         Provide missing documentation
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637272 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637273 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637274 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637275 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351931 UTD UTD UTD 3/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637276 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637277 Missing Document: Missing Final 1003             Provide missing documentation
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637279 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637280 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637281 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637282 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637283 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637284 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637285 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352044 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637286 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637287 Missing Document: Missing Final 1003             Provide missing documentation
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637288 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637289 Final Title Policy is missing. No evidence of title in file.   File does not contain the final policy or commitment         Provide missing documentation
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637290 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637291 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637292 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637293 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637294 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350769 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637295 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637339 Missing Document: Missing Final 1003             Provide missing documentation
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637340 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637341 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637342 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637343 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637344 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637345 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1354811 Refinance Cash-out - Other Primary 11/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637346 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637355 Missing Document: Missing Final 1003             Provide missing documentation
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637356 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637357 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637358 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637359 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637360 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637361 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637362 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355493 Refinance UTD Primary 12/XX/2006 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637363 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637402 Missing Document: Missing Final 1003             Provide missing documentation
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637403 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637404 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637405 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637406 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637407 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637408 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637409 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351736 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637410 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637452 Missing Document: Missing Final 1003             Provide missing documentation
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637453 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637454 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637455 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637456 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637457 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637458 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637459 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637460 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637461 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637462 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637463 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352163 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12637464 Missing Document: Security Instrument not provided             Provide missing documentation
1352273 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637465 Missing Document: Missing Final 1003             Provide missing documentation
1352273 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637466 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352273 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637467 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352273 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637468 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1352273 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637469 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352273 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637470 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637480 Missing Document: Missing Final 1003             Provide missing documentation
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637481 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637482 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637483 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637484 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637485 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637486 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637487 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637488 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008.           Provide missing documentation
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637489 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637490 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637491 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354716 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637492 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637505 Missing Document: Missing Final 1003             Provide missing documentation
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637506 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637507 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637508 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637509 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637510 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637511 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637512 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637513 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351210 UTD UTD UTD 4/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12637514 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637524 Missing Document: Missing Final 1003             Provide missing documentation
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637525 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637526 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637527 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637528 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637529 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637530 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637531 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637532 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637533 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350291 Refinance UTD Primary 6/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637534 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637535 Missing Document: Missing Final 1003             Provide missing documentation
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637536 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637537 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637538 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637539 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637540 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637541 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637542 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637543 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637544 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354135 UTD UTD Primary 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637545 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637546 Missing Document: Missing Final 1003             Provide missing documentation
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637547 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637548 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637549 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637550 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637551 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12637552 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637553 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352842 Refinance UTD UTD 7/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12637554 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637555 Missing Document: Missing Final 1003             Provide missing documentation
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637556 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12637557 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637558 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637559 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637560 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637561 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351263 UTD UTD UTD 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637562 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637563 Missing Document: Missing Final 1003             Provide missing documentation
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12637564 Missing Document: Security Instrument not provided             Provide missing documentation
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637565 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637566 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637567 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637568 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637569 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637570 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637571 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637572 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351260 UTD UTD Primary 8/XX/2004 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637573 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637599 Missing Document: Missing Final 1003             Provide missing documentation
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637600 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637601 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637602 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637603 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637604 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637605 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637606 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637607 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12637608 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353340 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637609 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Missing Document General Compliance Open   2 12637610 Incomplete Document: Right to Cancel (RTC) is incomplete   Expiration Date illegible          
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637611 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637612 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637613 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637614 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637615 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637616 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637617 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637618 Missing Document: Missing Final 1003             Provide missing documentation
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637619 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637620 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352811 UTD UTD Primary 4/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637621 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637622 Missing Document: Missing Final 1003             Provide missing documentation
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637623 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637624 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637625 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637626 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637627 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637628 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637629 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637630 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637631 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353098 Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637632 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637633 Missing Document: Missing Final 1003             Provide missing documentation
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637634 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637635 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637636 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637637 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637638 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637639 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352929 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637640 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637657 Missing Document: Missing Final 1003             Provide missing documentation
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637658 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637659 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637660 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637661 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637662 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637663 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353733 Refinance Cash-out - Other Primary 9/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637664 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637681 Missing Document: Missing Final 1003             Provide missing documentation
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637682 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637683 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637684 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637685 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637686 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637687 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637688 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637689 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351523 Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637690 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637702 Missing Document: Missing Final 1003             Provide missing documentation
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637703 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637704 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637705 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637706 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637707 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637708 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352327 Refinance UTD Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637709 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637710 Missing Document: Missing Final 1003             Provide missing documentation
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637711 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637712 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637713 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637714 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637715 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637716 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637717 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353186 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637718 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637719 Missing Document: Missing Final 1003             Provide missing documentation
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637720 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637721 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637722 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637723 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637724 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637725 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637726 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1353265 Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637727 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637756 Missing Document: Missing Final 1003             Provide missing documentation
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637757 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637758 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637759 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637760 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637761 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637762 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637763 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637764 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637765 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637766 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352172 Refinance UTD Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12637767 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637768 Missing Document: Missing Final 1003             Provide missing documentation
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637769 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637770 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637771 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637772 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637773 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637774 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637775 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637776 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637777 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352329 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637778 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637779 Missing Document: Missing Final 1003             Provide missing documentation
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637780 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637781 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637782 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637783 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637784 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637785 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637786 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637787 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637788 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637789 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353034 Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637790 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637802 Missing Document: Missing Final 1003             Provide missing documentation
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637803 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637804 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637805 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637806 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637807 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637808 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637809 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637810 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637811 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353368 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637812 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637813 Missing Document: Missing Final 1003             Provide missing documentation
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637814 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637815 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637816 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637817 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637818 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637819 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637820 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637821 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1350771 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637822 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637854 Missing Document: Missing Final 1003             Provide missing documentation
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637855 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637856 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637857 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637858 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637859 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637860 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637861 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637862 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637863 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352745 Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637864 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637842 Missing Document: Missing Final 1003             Provide missing documentation
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637843 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637844 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637845 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637846 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637847 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637848 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637849 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637850 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637851 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637852 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352705 Refinance Cash-out - Other Primary 1/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637853 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637930 Missing Document: Missing Final 1003             Provide missing documentation
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637931 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637932 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637933 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637934 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637935 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637936 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637937 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12637938 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354410 UTD UTD UTD 4/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637939 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637948 Missing Document: Missing Final 1003             Provide missing documentation
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637949 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637950 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637951 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637952 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637953 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637954 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637955 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350511 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637956 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637957 Missing Document: Missing Final 1003             Provide missing documentation
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637958 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637959 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637960 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637961 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637962 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637963 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637964 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637965 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637966 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637967 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351496 Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637968 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637969 Missing Document: Missing Final 1003             Provide missing documentation
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637970 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637971 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637972 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637973 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637974 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637975 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637976 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350589 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637977 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12637996 Missing Document: Missing Final 1003             Provide missing documentation
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12637997 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12637998 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12637999 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638000 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638001 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638002 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638003 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350045 UTD UTD Primary 8/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638004 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638013 Missing Document: Missing Final 1003             Provide missing documentation
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638014 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638015 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638016 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638017 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638018 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638019 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638020 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350565 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638021 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638046 Missing Document: Missing Final 1003             Provide missing documentation
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638047 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638048 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638049 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638050 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638051 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638052 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638053 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352252 Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638054 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638066 Missing Document: Missing Final 1003             Provide missing documentation
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638067 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638068 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638069 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638070 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638071 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638072 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354957 Refinance Cash-out - Other Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638073 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638074 Missing Document: Missing Final 1003             Provide missing documentation
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638075 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638076 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638077 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638078 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638079 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638080 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638081 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351955 Refinance UTD Primary 1/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638082 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638091 Missing Document: Missing Final 1003             Provide missing documentation
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638092 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638093 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638094 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638095 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638096 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638097 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350482 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638098 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638099 Missing Document: Missing Final 1003             Provide missing documentation
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638100 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638101 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638102 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638103 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638104 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638105 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638106 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638107 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638108 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351328 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638109 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638110 Missing Document: Missing Final 1003             Provide missing documentation
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638111 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638112 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638113 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638114 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638115 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638116 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638117 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638118 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638119 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638120 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638121 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638122 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353104 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638123 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638124 Missing Document: Missing Final 1003             Provide missing documentation
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638125 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638126 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638127 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638128 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638129 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638130 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638131 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350074 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638132 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638159 Missing Document: Missing Final 1003             Provide missing documentation
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638160 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638161 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638162 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638163 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638164 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638165 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638166 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1351653 Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638167 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638178 Missing Document: Missing Final 1003             Provide missing documentation
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638179 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638181 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638182 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638183 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638184 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638185 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638186 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638187 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350431 Refinance Cash-out - Other Primary 6/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638188 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638189 Missing Document: Missing Final 1003             Provide missing documentation
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638190 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638191 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638192 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638193 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638194 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638195 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638196 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638197 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638198 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350784 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638199 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638200 Missing Document: Missing Final 1003             Provide missing documentation
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638201 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638202 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638203 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638204 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638205 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638206 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638207 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350535 Refinance Cash-out - Other Primary 8/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638208 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638209 Missing Document: Missing Final 1003             Provide missing documentation
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638210 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638211 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638212 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638213 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638214 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638215 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638216 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638217 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351919 Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638218 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638219 Missing Document: Missing Final 1003             Provide missing documentation
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638220 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12638221 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638222 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638223 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638224 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638225 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638226 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638227 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638228 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638229 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638230 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1352556 Refinance Cash-out - Other UTD 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638231 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638232 Missing Document: Missing Final 1003             Provide missing documentation
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638233 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638234 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638235 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638236 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638237 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638238 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638239 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638240 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638241 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354026 Refinance Cash-out - Other Primary 11/XX/2007 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638242 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638276 Missing Document: Missing Final 1003             Provide missing documentation
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638277 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638278 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638279 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638280 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638281 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638282 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638283 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638284 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352259 Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638285 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638286 Missing Document: Missing Final 1003             Provide missing documentation
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638287 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638288 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638289 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638290 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638291 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638292 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638293 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638294 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638295 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352154 Refinance Cash-out - Other Primary 4/XX/2008 CA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638296 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638332 Missing Document: Missing Final 1003             Provide missing documentation
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638333 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638334 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638335 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period is less than the 15 days minimum per state of NY.          
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638336 New York Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638337 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638338 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638339 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638340 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638341 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638342 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354240 Refinance Cash-out - Other Primary 10/XX/2002 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638343 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002.           Provide missing documentation
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638345 Missing Document: Missing Final 1003             Provide missing documentation
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638346 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.           Provide missing documentation
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638347 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638348 New York Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638349 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638350 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638351 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354706 Refinance Cash-out - Other Primary 8/XX/2003 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638352 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638381 Missing Document: Missing Final 1003             Provide missing documentation
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638382 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12638383 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.   Documentation not on file to provide data          
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638384 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638385 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638386 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638387 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638388 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350351 Refinance UTD UTD 4/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638389 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638390 Missing Document: Missing Final 1003             Provide missing documentation
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638391 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638392 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638393 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638394 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638395 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan. PPP Expired. Prepayment charge not allowed per state (NY). Note states $750.00 fee within 36 months. Lender is XXX          
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638396 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638397 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638398 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355453 Refinance Cash-out - Other Primary 5/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638399 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638401 Missing Document: Missing Final 1003             Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12638402 Missing Document: Security Instrument not provided             Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638403 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638404 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638405 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638406 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638407 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638408 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638409 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350901 Refinance Cash-out - Other Primary 6/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638410 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638434 Missing Document: Missing Final 1003             Provide missing documentation
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638435 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638436 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638437 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638438 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638439 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638440 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638441 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638442 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352114 UTD UTD Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638443 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638444 Missing Document: Missing Final 1003             Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638445 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638446 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638447 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638448 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638449 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638450 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638451 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352742 Refinance Cash-out - Other Primary 8/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638452 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638463 Missing Document: Missing Final 1003             Provide missing documentation
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638464 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12638465 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638466 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638467 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638468 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638469 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638470 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638471 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638472 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1355301 UTD UTD UTD 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638473 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638474 Missing Document: Missing Final 1003             Provide missing documentation
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12638475 Missing Document: Security Instrument not provided             Provide missing documentation
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638476 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638477 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638478 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638479 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638480 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638481 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638482 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351466 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638483 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355495 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638484 Missing Document: Missing Final 1003             Provide missing documentation
1355495 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638485 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355495 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638486 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355495 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638487 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355495 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638488 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355495 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638489 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355495 Refinance Cash-out - Other Primary 9/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638490 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638491 Missing Document: Missing Final 1003             Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12638492 Missing Document: Security Instrument not provided             Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638493 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638494 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638495 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638496 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638497 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638498 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638499 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638500 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638501 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351271 UTD UTD Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638502 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638503 Missing Document: Missing Final 1003             Provide missing documentation
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12638504 Missing Document: Security Instrument not provided             Provide missing documentation
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638505 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638506 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638507 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638508 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638509 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638510 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638511 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638512 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1350621 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638513 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638534 Missing Document: Missing Final 1003             Provide missing documentation
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12638535 Missing Document: Security Instrument not provided             Provide missing documentation
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638536 Final Title Policy is missing. No evidence of title in file.   Missing Preliminary and Final Title Policy         Provide missing documentation
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638537 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638538 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638539 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638540 New York Prepayment Penalty Junior Lien New York Prepayment Penalty: Prepayment penalty not permissible on a subordinate lien loan.            
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638541 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638542 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638543 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638544 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350534 Refinance Cash-out - Other Primary 2/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638545 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12638547 Missing Document: Security Instrument not provided             Provide missing documentation
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638548 Missing Document: Missing Final 1003             Provide missing documentation
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638549 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638550 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638551 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638552 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638553 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638554 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638555 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355466 Refinance Cash-out - Other Primary 12/XX/2004 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638556 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638607 Missing Document: Missing Final 1003             Provide missing documentation
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638608 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638609 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638610 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638611 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638612 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638613 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace violates the 15 day minimum per the state of NY          
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638614 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per the state of NY          
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638615 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351465 Refinance Cash-out - Other Primary 9/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638616 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638617 Missing Document: Missing Final 1003             Provide missing documentation
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638618 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638619 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638620 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638621 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638622 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638623 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638624 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638625 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350292 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638626 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638627 Missing Document: Missing Final 1003             Provide missing documentation
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638628 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638629 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638630 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638631 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638632 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638633 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638634 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638635 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354617 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638636 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638646 Missing Document: Missing Final 1003             Provide missing documentation
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638647 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638648 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638649 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638650 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638651 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638652 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638653 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY).          
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638654 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638655 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350167 Refinance UTD Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638656 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638657 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638658 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638659 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638660 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638661 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638662 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638663 Missing Document: Missing Final 1003             Provide missing documentation
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638664 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638665 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638666 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period is less than the 15 days minimum per state of NY.          
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638667 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state of NY.          
1350470 Refinance Cash-out - Other Primary 10/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638668 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638680 Missing Document: Missing Final 1003             Provide missing documentation
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638681 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638682 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638683 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638684 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638685 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638686 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638687 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638688 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353872 Refinance Cash-out - Other Primary 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638689 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638722 Missing Document: Missing Final 1003             Provide missing documentation
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638723 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638724 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638725 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638726 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638727 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638728 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 20 day grace period is less than the 15 minimum per state (NY).          
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638729 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late fee exceeds the 2% maximum per state (NY).          
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638730 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638731 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638732 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638734 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12638735 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement & Disclosure Statement" which states that initial index = 7.50% and margin = -0.26%. This equates to an initial rate of 7.24%. The "Equity Maximizer Agreement & Disclosure Statement" also states that APR is 7.24%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.24%. In addition, the "Equity Maximizer Agreement & Disclosure Statement" also states: "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351948 Refinance UTD Primary 3/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638736 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638757 Missing Document: Missing Final 1003             Provide missing documentation
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638758 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638759 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638760 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638761 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638762 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638763 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352700 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638764 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638776 Missing Document: Missing Final 1003             Provide missing documentation
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638777 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12638778 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638779 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638780 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638781 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638782 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638783 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638784 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638785 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638786 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638788 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12638789 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.250% and margin is -0.260%. This equates to an initial rate of 7.990%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 7.990%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.990%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1350297 UTD UTD UTD 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638790 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638801 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638802 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638803 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638804 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638805 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638806 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638807 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state(NY).          
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638808 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state(NY).          
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638809 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351981 Refinance Cash-out - Other Primary 9/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638810 Missing Document: Missing Final 1003             Provide missing documentation
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638811 Missing Document: Missing Final 1003             Provide missing documentation
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638812 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638813 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638814 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638815 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638816 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638817 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638818 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638819 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638820 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351224 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638821 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638932 Missing Document: Missing Final 1003             Provide missing documentation
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12638933 Missing Document: Security Instrument not provided             Provide missing documentation
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638934 Final Title Policy is missing. No evidence of title in file.   No Title         Provide missing documentation
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638935 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638936 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638937 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638938 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638939 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638940 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638941 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1350926 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638942 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638943 Missing Document: Missing Final 1003             Provide missing documentation
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638944 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638945 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638946 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638947 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638948 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638949 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638950 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353391 Refinance Cash-out - Other Primary 5/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638951 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638973 Missing Document: Missing Final 1003             Provide missing documentation
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12638974 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638975 Final Title Policy is missing. No evidence of title in file.   Both Preliminary and Final Title Policy are not in file         Provide missing documentation
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638976 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638977 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638978 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638979 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638980 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638981 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638982 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638983 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351135 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638984 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12638985 Missing Document: Missing Final 1003             Provide missing documentation
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638986 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638987 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638988 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days is less than mandatory 15 days          
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12638989 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late fee exceeds maximum of 2%          
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638990 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12638991 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638992 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355211 Refinance Cash-out - Other Primary 6/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12638993 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639023 Missing Document: Missing Final 1003             Provide missing documentation
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639024 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639025 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639026 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639027 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639028 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639029 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639030 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351158 UTD UTD Primary 7/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639031 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639072 Missing Document: Missing Final 1003             Provide missing documentation
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639073 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639074 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639075 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639076 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639077 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639078 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639079 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639080 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351341 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639081 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639104 Missing Document: Missing Final 1003             Provide missing documentation
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639105 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639106 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639107 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639108 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639109 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639110 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639111 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639112 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12639113 Missing Document: Security Instrument not provided             Provide missing documentation
1350917 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639114 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639115 Missing Document: Missing Final 1003             Provide missing documentation
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639116 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639117 Final Title Policy is missing. No evidence of title in file.   File does not contain Preliminary or Final Title Policy         Provide missing documentation
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639118 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639119 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639120 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639121 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639122 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353470 Refinance Cash-out - Other Primary 10/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639123 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639148 Missing Document: Missing Final 1003             Provide missing documentation
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639149 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639150 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639151 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639152 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639153 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639154 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639155 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639156 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639157 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639158 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1353147 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639159 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639173 Missing Document: Missing Final 1003             Provide missing documentation
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639174 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639175 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639176 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639177 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639178 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639179 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639180 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639181 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639182 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352060 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639183 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639211 Missing Document: Missing Final 1003             Provide missing documentation
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12639212 Missing Document: Security Instrument not provided             Provide missing documentation
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639213 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639214 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639215 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639216 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639217 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639218 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period is less than the 15 days minimum per state of NY.          
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639219 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state of NY.          
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639220 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639221 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639222 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639223 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1355164 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639224 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639225 Missing Document: Missing Final 1003             Provide missing documentation
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639226 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639227 Final Title Policy is missing. No evidence of title in file.   File does not contain either a Preliminary or Final Title.         Provide missing documentation
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639228 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639229 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639230 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace preiod is less than the 15 day minimum per state - NY.          
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639231 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge is more than the 2% maximum per state - NY.          
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639232 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639233 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639234 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350850 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639235 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639236 Missing Document: Missing Final 1003             Provide missing documentation
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639237 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639238 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639239 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639240 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639241 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639242 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639243 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354724 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639244 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639245 Missing Document: Missing Final 1003             Provide missing documentation
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639246 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639247 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639248 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639249 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639250 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639251 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639252 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639253 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639254 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639255 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639256 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353324 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639257 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639280 Missing Document: Missing Final 1003             Provide missing documentation
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12639281 Missing Document: Security Instrument not provided             Provide missing documentation
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639282 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639283 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639284 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639285 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639286 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639287 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639288 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639289 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639290 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354339 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639291 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639292 Missing Document: Missing Final 1003             Provide missing documentation
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639293 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639294 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639295 TILA HELOC - Impermissible Provision on HELOC Agreement Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances.            
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639296 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639297 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639298 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639299 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639300 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12639301 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639302 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354866 Refinance Cash-out - Other UTD 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639303 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639333 Missing Document: Missing Final 1003             Provide missing documentation
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639334 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639335 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639336 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639337 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639338 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639339 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639340 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639341 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639342 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354103 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639343 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639344 Missing Document: Missing Final 1003             Provide missing documentation
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639345 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639346 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639347 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639348 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639349 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639350 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639351 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639352 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639353 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639354 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352228 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639355 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639356 Missing Document: Missing Final 1003             Provide missing documentation
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639357 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639358 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639359 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639360 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639361 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639362 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639363 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639364 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639365 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639366 New York Late Charge Percent Testing Note late charge exceeds maximum per state. The greater of $10 or 5% late charge exceeds 2% maximum per state (NY)          
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639367 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639368 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354968 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639369 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639370 Missing Document: Missing Final 1003             Provide missing documentation
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639371 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state (NY)          
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639372 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639373 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639374 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639375 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639376 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639377 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639378 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639379 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639380 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355280 Refinance Cash-out - Other Primary 6/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639381 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639436 Missing Document: Missing Final 1003             Provide missing documentation
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639437 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639438 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639439 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639440 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639441 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639442 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639443 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639444 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639445 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day per state (NY).          
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639446 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639447 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. RTC Signature not dated         Provide missing documentation
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639448 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1352973 Refinance Cash-out - Other Primary 7/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639449 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639475 Missing Document: Missing Final 1003             Provide missing documentation
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639476 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12639477 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639478 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639479 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639480 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639481 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639482 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639483 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639484 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639485 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639486 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639487 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639488 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639489 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1354645 Refinance UTD UTD 9/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639490 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639542 Missing Document: Missing Final 1003             Provide missing documentation
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639543 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639544 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639545 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639546 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639547 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639548 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639549 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY).          
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639550 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639551 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639552 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639553 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353613 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639554 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639555 Missing Document: Missing Final 1003             Provide missing documentation
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639556 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639557 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639558 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639559 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639560 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639561 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639562 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639563 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639564 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639565 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639566 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state (NY).          
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639567 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state (NY).          
1353756 UTD UTD Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639568 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639570 Missing Document: Missing Final 1003             Provide missing documentation
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639571 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639572 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639573 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639574 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639575 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639576 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639577 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639578 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639579 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639580 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639581 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639582 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state(NY).          
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639583 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state(NY).          
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639584 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1353271 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639585 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639586 Missing Document: Missing Final 1003             Provide missing documentation
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639587 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639588 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639589 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639590 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639591 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639592 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639593 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639594 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639595 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639596 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639597 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639598 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1351429 Refinance UTD Primary 12/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639599 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639600 Missing Document: Missing Final 1003             Provide missing documentation
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639601 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639602 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639603 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639604 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639605 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639606 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639607 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639608 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639609 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639610 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639611 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639612 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351984 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639613 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639627 Missing Document: Missing Final 1003             Provide missing documentation
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639628 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639629 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639630 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639631 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639632 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639633 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639634 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639635 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639636 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639637 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639638 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1354365 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639639 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639640 Missing Document: Missing Final 1003             Provide missing documentation
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639641 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639642 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639643 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639644 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639645 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639646 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639647 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639648 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (NY)          
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639649 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639650 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639651 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354558 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639652 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639653 Missing Document: Missing Final 1003             Provide missing documentation
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639654 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639655 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639656 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639657 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639658 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639659 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639660 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (NY)          
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639661 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639662 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639663 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639664 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1350824 Refinance UTD Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639665 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639666 Missing Document: Missing Final 1003             Provide missing documentation
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639667 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639668 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639669 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639670 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639671 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639672 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639673 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639674 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639675 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639676 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
1353530 Refinance Cash-out - Other Primary 1/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639677 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639678 Missing Document: Missing Final 1003             Provide missing documentation
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639679 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639680 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639681 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639682 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639683 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639684 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day grace period required per state of NY.          
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639685 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639686 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639687 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639688 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639689 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354414 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639690 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639692 Missing Document: Missing Final 1003             Provide missing documentation
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639693 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639694 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639695 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639696 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639697 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639698 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639699 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639700 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639701 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639702 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639703 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639704 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639705 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1351091 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639706 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639733 Missing Document: Missing Final 1003             Provide missing documentation
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639734 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639735 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639736 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639737 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639738 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639739 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639740 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639741 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639742 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639743 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639744 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353747 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639745 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639746 Missing Document: Missing Final 1003             Provide missing documentation
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639747 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639748 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639749 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639750 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639751 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 days grace period is less than the 15 days minimum per state of NY.          
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639752 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds the 2% maximum per state of NY.          
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639753 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639754 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639755 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639756 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639757 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1353787 Refinance Cash-out - Other Primary 2/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639758 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639759 Missing Document: Missing Final 1003             Provide missing documentation
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639760 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639761 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639762 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639763 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639764 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639765 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639766 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639767 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639768 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639769 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639770 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639771 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1352153 Refinance Cash-out - Other Primary 3/XX/2008 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639772 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639832 Missing Document: Missing Final 1003             Provide missing documentation
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Compliance Open   3 12639833 Missing Document: Note - Subject Lien not provided       (2019-07-12): The missing Note has been located and uploaded.   (2019-07-12): Exception cleared. Provide missing documentation
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12639834 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12639835 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639836 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639837 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639838 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639839 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639840 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1352397 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639841 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639850 Missing Document: Missing Final 1003             Provide missing documentation
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639851 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639852 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639853 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639854 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639855 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639856 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639857 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1351582 Refinance Cash-out - Other Primary 10/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639858 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352174 Refinance Cash-out - Other Primary 10/XX/2003 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639859 Missing Document: Missing Final 1003             Provide missing documentation
1352174 Refinance Cash-out - Other Primary 10/XX/2003 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639860 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352174 Refinance Cash-out - Other Primary 10/XX/2003 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639861 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352174 Refinance Cash-out - Other Primary 10/XX/2003 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639862 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1352174 Refinance Cash-out - Other Primary 10/XX/2003 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639863 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352174 Refinance Cash-out - Other Primary 10/XX/2003 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639865 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
1352174 Refinance Cash-out - Other Primary 10/XX/2003 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639866 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639867 Missing Document: Missing Final 1003             Provide missing documentation
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639868 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639869 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639870 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639871 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12639872 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement & Disclosure Statement" which states that initial index = 8.250% and margin = -0.010%. This equates to an initial rate of 8.240%. The "Equity Maximizer Agreement & Disclosure Statement" also states that APR is 8.240%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.240%. In addition, the "Equity Maximizer Agreement & Disclosure Statement" also states: "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639873 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639874 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639875 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639876 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354725 Refinance Cash-out - Other Primary 11/XX/2006 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639877 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639925 Missing Document: Missing Final 1003             Provide missing documentation
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639926 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639927 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639928 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639929 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639930 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639931 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639932 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639933 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350668 Refinance Cash-out - Other Primary 10/XX/2007 MD $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639934 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639946 Missing Document: Missing Final 1003             Provide missing documentation
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639947 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639948 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639949 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. Credit agreement provided to borrower 2/XX/2006, Notary Date 2/XX/2006.          
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639950 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12639951 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/31/2019 1 12639952 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/04/2019 1 12639953 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.         (2019-07-12): Disbursement date verified as date of first draw for HELOC. Exception cleared. Provide missing documentation
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639954 (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.     (2019-07-12): The executed XXX EQUITY CREDITLINE /AGREEMENT AND DISCLOSURE STATEMENT-TEXAS (signature page) states the borrowers have received the NOTICE CONCERNING EXTENSION OF CREDIT and the "Itemized Disclosure of Closing Costs". The NOTICE OF FINAL AGREEMENT (bottom of signature page) further states "this Agreement represents the final agreement between Borrowers(s) and XXX.   (2019-07-12): Acknowledgment is not sufficient. Need a copy of the actual Notice Concerning Extensions of Credit that is dated (does not need to be signed) at least 12 days prior to closing and a copy of the Notice signed at closing. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 06/17/2019 1 12639955 (TX50(a)(6)) Texas Cash-out Loan (Interest Only) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Interest Only feature on a Texas Home Equity loan.     (2019-07-12): TX50(a)(6)(L)(ii) states that an extension of credit is scheduled to be repaid "if the extension of credit is a home equity line of credit, in periodic payments described under Subsection (t)(8)" which subsection allows interest only payments during the Draw Period of the loan (see TX50(t)(8)(A)).   (2019-07-12): HELOC permitted to have IO payments during draw period under TX50(t )(8) (2019-07-12): BofA Credit Line Agreement provided detailing interest only options. Exception remains for Interest Only feature on a TX Home Equity loan. Send the owner a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639956 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.     (2019-07-12): The executed XXX EQUITY CREDITLINE /AGREEMENT AND DISCLOSURE STATEMENT-TEXAS (signature page) states the borrowers have received the NOTICE CONCERNING EXTENSION OF CREDIT and the "Itemized Disclosure of Closing Costs". The NOTICE OF FINAL AGREEMENT (bottom of signature page) further states "this Agreement represents the final agreement between Borrowers(s) and XXX."   (2019-07-12): Acknowledgment is not sufficient as it is pre-printed on HELOC Agreement and there is no copy of the Itemized Disclosure of Closing Costs in the file. Exception remains. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639957 (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation.           Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead. If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639958 (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) Texas Constitution Section 50(a)(6): Unable to determine if loan was closed an an authorized location due to missing documentation.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639959 (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) Texas Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639960 (TX50(t)(5)) Unable to determine compliance with CLTV limitations No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) due to missing information.     (2019-07-12): We have also located the ACKNOWLEDGMENT OF FAIR MARKET VALUE signed by the borrowers agreeing $825,000 is the value relied on for the purpose of this loan.   (2019-07-12): The value as stated on the Acknowledgment of Fair Market Value cannot be used as the value. We require some document that confirms the value stated on the AFMV. Exception remains  
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639961 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639962 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12639963 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): The executed XXX EQUITY CREDITLINE/ AGREEMENT AND DISCLOSURE STATEMENT-TEXAS dated 2/XX/2006 states that initial index is 7.5% and margin is -0.510%. This equates to an initial rate of 6.99%. The APR is 6.99%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6.99%. In addition, the XXX EQUITY CREDITLINEr /AGREEMENT AND DISCLOSURE STATEMENT-TEXAS also states "The Annual Percentage Rate does not include costs other than interest." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639964 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639965 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Unable todetermine if loan transaction disbursed prior to three (3) business days from transaction date due to missing information.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639966 (TX50(a)(6)) Texas Cash-out Loan (Home Equity loan on homestead that exceeds the Acreage limits) Texas Constitution Section 50(a)(6): Unable to determine if the home equity loan on homestead exceeds the allowable acreage due to missing documentation.           Send the owner a written acknowledgement that the lien is valid only in the amount that the extension of credit secured by the homestead and not to the extent it is secured by additional real or personal property other than the homestead.
1350869 Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639967 (TX50(a)(6)) Texas Cash-out Loan (Property is designated for agricultural use (other than primarily for production of milk)) Texas Constitution Section 50(a)(6): Unable to test agricultural use due to missing documentation.           Confirm Agriculture use of the Property. This is not curable if the Agricultural use is actual, can be downgraded based on a letter to the consumer waiving any security interest in the agricultural aspect of the subject property. If the Agricultural use is unknown, can be cured with the letter to the consumer.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12639968 Missing Document: Missing Final 1003             Provide missing documentation
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639969 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639970 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639971 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639972 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639973 (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.     (2019-07-12): Embedded throughout the XXX EQUITY CREDITLINErAGREEMENT AND DISCLOSURE STATEMENT-TEXAS (Note) and the HOMESTEAD LIEN CONTRACT AND DEED OF TRUST (DOT) is the language that supports we have disclosed and complied with Section 50(a)(6), Article XVI of the Texas Constitution. Amongst other sections of the Note and DOT, please refer to sections: Governing law, Collateral, and Miscellaneous Provisions to support compliance with Notice Concerning Extensions of Credit.   (2019-07-12): Acknowledgment is not sufficient. Need a copy of the actual Notice Concerning Extensions of Credit that is dated (does not need to be signed) at least 12 days prior to closing and a copy of the Notice signed at closing. Exception remains. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639974 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 06/17/2019 1 12639975 (TX50(a)(6)) Texas Cash-out Loan (Interest Only) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Interest Only feature on a Texas Home Equity loan.     (2019-07-12): TX50(a)(6)(L)(ii) states that an extension of credit is scheduled to be repaid "if the extension of credit is a home equity line of credit, in periodic payments described under Subsection (t)(8)" which subsection allows interest only payments during the Draw Period of the loan (see TX50(t)(8)(A)).   (2019-07-12): HELOC permitted to have IO payments during draw period under TX50(t )(8) (2019-07-12): BofA Credit Line Agreement provided detailing interest only options. Exception remains for Interest Only feature on a TX Home Equity loan. Send the owner a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639976 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.         (2019-07-12): Acknowledgment is not sufficient as it is pre-printed on HELOC Agreement and there is no copy of the Itemized Disclosure of Closing Costs in the file. Exception remains. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639977 (TX50(a)(6)) AFMV value and appraisal value not provided Texas Constitution Section 50(a)(6): Unable to determine compliance with 80% CLTV limitation due to missing AFMV or value on AFMV and no appraisal or other evaluation in file to verify property value/LTV.         (2019-07-12): Screen print provided is dated 5/XX/2019 and reflects Current value. Missing Origination Value. Exception remains. To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639978 (TX50(a)(6)) Texas Cash-out Loan (Other Debt) Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead.           Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639979 (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) Texas Constitution Section 50(a)(6): Unable to determine if loan was closed an an authorized location due to missing documentation.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639980 (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) Texas Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639981 (TX50(t)(5)) Unable to determine compliance with CLTV limitations No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) due to missing information.     (2019-07-12): The appraised value of the subject property at origination was $214,275, as noted on the attached Collateral Information display from our servicing system. Additionally, the last paragraph in the executed Note under Additional Agreements and Acknowledgments, acknowledges that all applicable disclosures were received.   (2019-07-12): Screen print provided is dated 5/XX/2019 and reflects Current value. Missing Origination Value. Exception remains.  
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639982 Texas Interest Rate [less than or equal to] 10% Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639983 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12639984 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12639985 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639986 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12639987 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): The executed XXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT dated 8/XX/2006 states that initial index is 8.25% and margin is -0.26%. This equates to an initial rate of 7.99%. The APR is 7.99%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.99%. In addition, the XXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12639988 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12639989 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.         (2019-07-12): Acknowledgment is pre-printed on the HELOC Agreement, missing separate acknowledgment of Receipt of Copies.Exception remains. Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639990 (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation.           Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead. If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639991 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Unable todetermine if loan transaction disbursed prior to three (3) business days from transaction date due to missing information.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639992 (TX50(a)(6)) Texas Cash-out Loan (Home Equity loan on homestead that exceeds the Acreage limits) Texas Constitution Section 50(a)(6): Unable to determine if the home equity loan on homestead exceeds the allowable acreage due to missing documentation.           Send the owner a written acknowledgement that the lien is valid only in the amount that the extension of credit secured by the homestead and not to the extent it is secured by additional real or personal property other than the homestead.
1355576 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12639993 (TX50(a)(6)) Texas Cash-out Loan (Property is designated for agricultural use (other than primarily for production of milk)) Texas Constitution Section 50(a)(6): Unable to test agricultural use due to missing documentation.           Confirm Agriculture use of the Property. This is not curable if the Agricultural use is actual, can be downgraded based on a letter to the consumer waiving any security interest in the agricultural aspect of the subject property. If the Agricultural use is unknown, can be cured with the letter to the consumer.
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640068 Missing Document: Missing Final 1003             Provide missing documentation
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640069 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640070 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640071 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640072 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Late charge not allowed per state (NJ) - max late charge for NJ is 2% - note states $15          
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640073 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640074 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640075 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353983 Refinance Cash-out - Other Primary 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640076 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640088 Missing Document: Missing Final 1003             Provide missing documentation
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640089 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640090 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640091 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640092 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640093 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640094 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information. Late charge not allowed per state (NJ) - max late charge for (NJ) is 5% and may only be assessed after 15 days past due - note states the lesser of $15 after 10 days late.          
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640095 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640096 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12640097 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353350 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640098 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640099 Missing Document: Missing Final 1003             Provide missing documentation
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640100 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640101 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640102 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640103 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640104 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640105 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12640106 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   Prepayment Penalty not allowed per state regulations. (NJ)          
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640107 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12640108 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640109 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355016 Refinance Cash-out - Other UTD 4/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640110 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640125 Missing Document: Missing Final 1003             Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640126 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640127 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640128 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640129 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640130 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640131 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640132 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351236 Refinance Cash-out - Other Primary 7/XX/2004 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640133 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640201 Missing Document: Missing Final 1003             Provide missing documentation
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640202 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640203 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640204 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640205 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information. 10 day grace period is less than 15 day minimum per state (NJ).          
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640206 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640207 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640208 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352138 Refinance Cash-out - Other Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640209 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640225 Missing Document: Missing Final 1003             Provide missing documentation
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640226 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640227 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640228 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640229 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640230 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640231 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640232 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640233 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1355401 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640234 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640235 Missing Document: Missing Final 1003             Provide missing documentation
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640236 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640237 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640238 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640239 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640240 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640241 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640242 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640243 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ)          
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640244 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353966 Refinance UTD Primary 5/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640245 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640246 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640247 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640248 Missing Document: Missing Final 1003             Provide missing documentation
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640249 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640250 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640251 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640252 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640253 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640254 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information.            
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640255 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351522 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640256 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640290 Missing Document: Missing Final 1003             Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12640291 Missing Document: Security Instrument not provided             Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640292 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640293 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640294 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640295 New Jersey Home Loan (Late Charge) Unable to determine if loan contains an impermissible late charge due to missing information. 10 days grace period is less than the 15 days minimum per state of NJ.          
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640296 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640297 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640298 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640299 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353370 Refinance Cash-out - Other Primary 6/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640300 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640312 Missing Document: Missing Final 1003             Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640313 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640314 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640315 TILA HELOC - Credit Agreement Missing Unable to test HELOC Agreement due to missing information.           Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640316 TILA HELOC - Billing Rights Disclosure Missing Unable to test billing rights due to missing information.           Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640317 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640318 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640319 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640320 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640321 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640322 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ)          
1353969 UTD UTD Primary 7/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640323 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640343 Missing Document: Missing Final 1003             Provide missing documentation
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640344 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640345 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640346 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640347 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640348 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12640349 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #7 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 6.5% and margin is -0.510%. This equates to an initial rate of 5.99%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 5.99%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640350 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640351 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640352 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355540 Refinance Cash-out - Other Primary 9/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640353 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640354 Missing Document: Missing Final 1003             Provide missing documentation
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640355 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640356 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640357 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640358 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640359 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the 15 day minimum per the state of NJ          
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640360 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353924 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640361 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640362 Missing Document: Missing Final 1003             Provide missing documentation
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640363 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640364 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640365 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640366 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12640367 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #8 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 6.75% and margin is -0.510%. This equates to an initial rate of 6.24%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 6.24%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6.24%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640368 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640369 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640370 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640371 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ).          
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640372 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352521 Refinance Cash-out - Other Primary 10/XX/2005 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640373 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640405 Missing Document: Missing Final 1003             Provide missing documentation
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640406 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12640407 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640408 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640409 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640410 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12640411 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12640412 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640413 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640414 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640415 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351980 Refinance Cash-out - Other UTD 11/XX/2005 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640416 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640485 Missing Document: Missing Final 1003             Provide missing documentation
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640486 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640487 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640488 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640489 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640490 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640491 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640492 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350625 Refinance Cash-out - Other Primary 5/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640493 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640527 Missing Document: Missing Final 1003             Provide missing documentation
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640528 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640529 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640530 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640531 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640532 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640533 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640534 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640535 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354334 Refinance Cash-out - Other Primary 7/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640536 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640566 Missing Document: Missing Final 1003             Provide missing documentation
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640567 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640568 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640569 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640570 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum required for Jr Lien in the state of NJ.          
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640571 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640572 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640573 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355078 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640574 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640657 Missing Document: Missing Final 1003             Provide missing documentation
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640658 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640659 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640660 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640661 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640662 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640663 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640664 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640665 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351950 Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640666 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640721 Missing Document: Missing Final 1003             Provide missing documentation
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640722 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640723 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640724 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640725 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640726 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640727 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the 15 day minimum allowed per NJ.          
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640728 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350110 Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640729 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640750 Missing Document: Missing Final 1003             Provide missing documentation
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640751 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12640752 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640753 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640754 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640755 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640756 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640757 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640758 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640759 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355251 Refinance Cash-out - Other UTD 6/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640760 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640791 Missing Document: Missing Final 1003             Provide missing documentation
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640792 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640793 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640794 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640795 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640796 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the state of NJ minimum grace period of 15 days.          
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640797 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640798 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352905 Refinance Cash-out - Other Primary 9/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640799 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640800 Missing Document: Missing Final 1003             Provide missing documentation
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640801 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640802 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640803 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640804 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640805 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640806 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640807 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640808 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1353753 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640809 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640829 Missing Document: Missing Final 1003             Provide missing documentation
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640830 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640831 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640832 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640833 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640834 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640835 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the minimum 15 day grace period required by the state of NJ          
1352988 Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640836 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640885 Missing Document: Missing Final 1003             Provide missing documentation
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640886 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640887 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640888 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640889 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum required in the state of NJ for Jr. liens. It is noted the 5% late charge meets NJ 5% max for Jr. Liens.          
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640890 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640891 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. HELOC/Billing Rights Disclosure/Security Instrument document printed date reflects 1/XX/2007. HELOC/Billing Rights Disclosure signature date reflects 1/XX/2007, with Security Instrument Notary date reflecting 1/XX/2007.          
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640892 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. HELOC/Billing Rights Disclosure/Security Instrument document printed date reflects 1/XX/2007. HELOC/Billing Rights Disclosure signature date reflects 1/XX/2007, with Security Instrument Notary date reflecting 1/XX/2007.          
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640893 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640894 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354023 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640895 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640918 Missing Document: Missing Final 1003             Provide missing documentation
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640919 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640920 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640921 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640922 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640923 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640924 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640925 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. Late charge not allowed per state (NJ) - max late charge for NJ is 2% - note states $15          
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640926 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353962 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640927 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640978 Missing Document: Missing Final 1003             Provide missing documentation
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12640979 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12640980 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640981 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640982 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640983 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640984 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12640985 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640986 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353930 Refinance Cash-out - Other Primary 3/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12640987 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12640999 Missing Document: Missing Final 1003             Provide missing documentation
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641000 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641001 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641002 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641003 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641004 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641005 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per NJ          
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641006 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641007 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353678 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641008 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641019 Missing Document: Missing Final 1003             Provide missing documentation
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641020 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641021 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641022 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641023 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641024 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641025 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641026 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641027 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641028 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350705 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641029 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641040 Missing Document: Missing Final 1003             Provide missing documentation
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641041 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641042 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641043 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641044 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 5% late charge exceeds 2% maximum per state (NJ). and 10 day grace period less than 15 day minimum per state (NJ).          
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641045 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641046 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641047 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351118 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641048 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641068 Missing Document: Missing Final 1003             Provide missing documentation
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641069 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641070 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641071 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641072 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641073 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641074 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641075 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641076 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641077 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
1355304 Refinance Cash-out - Other Primary 5/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641078 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641130 Missing Document: Missing Final 1003             Provide missing documentation
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641131 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641132 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641133 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641134 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641135 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641136 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641137 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641138 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 5% late charge exceeds 2% maximum per state (NJ) and 10 day grace period less than 15 day minimum per state (NJ)          
1351723 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641139 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641140 Missing Document: Missing Final 1003             Provide missing documentation
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641141 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641142 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641143 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641144 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641145 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641146 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641147 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641148 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641149 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641150 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641151 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ)          
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641152 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354772 Refinance UTD Primary 6/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641153 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641175 Missing Document: Missing Final 1003             Provide missing documentation
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641176 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641177 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641178 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641179 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641180 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641181 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641182 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641183 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641184 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641185 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353657 Refinance UTD Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641186 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641240 Missing Document: Missing Final 1003             Provide missing documentation
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641241 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641242 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641243 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641244 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641245 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641246 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641247 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641248 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641249 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641250 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state (NJ).          
1352970 UTD UTD Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641251 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641263 Missing Document: Missing Final 1003             Provide missing documentation
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641264 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641265 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641266 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641267 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641268 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641269 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641270 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ)          
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641271 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641272 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641273 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354172 Refinance Cash-out - Other Primary 9/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641274 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641298 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641299 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641300 Missing Document: Missing Final 1003             Provide missing documentation
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641301 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641302 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641303 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641304 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641305 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641306 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641307 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12641308 New York Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state(NY).          
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12641309 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state(NY).          
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641310 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641311 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
1352504 Refinance Cash-out - Other Primary 10/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641312 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641324 Missing Document: Missing Final 1003             Provide missing documentation
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641325 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641326 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641327 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641328 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641329 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641330 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641331 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
1352118 Refinance Cash-out - Other Primary 11/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641332 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Borrower did not date the RTC.         Provide missing documentation
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641370 Missing Document: Missing Final 1003             Provide missing documentation
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641371 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641372 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641373 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641374 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641375 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641376 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period less than 15 day minimum per state (NJ)          
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641377 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641378 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
1350972 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641379 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641457 Missing Document: Missing Final 1003             Provide missing documentation
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641458 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641459 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641460 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641461 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641462 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641463 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641464 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 day minimum per state(NJ).          
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641465 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641466 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641467 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1352693 Refinance Cash-out - Other Primary 3/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641468 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641469 Missing Document: Missing Final 1003             Provide missing documentation
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641470 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641471 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641472 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641473 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641474 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the 15 day minimum per state (NJ)          
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641475 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641476 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641477 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641478 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1353907 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641479 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641481 Missing Document: Missing Final 1003             Provide missing documentation
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641482 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641483 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title.         Provide missing documentation
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641484 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641485 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than 15 days required per state (NJ).          
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641486 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641487 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641488 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641489 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641490 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
1353711 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641491 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641517 Missing Document: Missing Final 1003             Provide missing documentation
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641518 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641519 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641520 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641521 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641522 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641523 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641524 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350089 Refinance Cash-out - Other Primary 2/XX/2006 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641525 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641545 Missing Document: Missing Final 1003             Provide missing documentation
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641546 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641547 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641548 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641549 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641550 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641552 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641553 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12641554 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. Lender is XXX, N.A., therefore exempt from regulation.          
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12641555 Rhode Island Home Loan (High Cost Analysis Not In File) Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. Lender is XXX, N.A., therefore exempt from regulation.          
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12641556 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. Lender is XXX, N.A., therefore exempt from regulation.          
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 05/29/2019 1 12641557 (Missing Data) Last Transaction Date Last Transaction Date Missing. Unable to conclusively determine if loan is subject to Rhode Island Tangible Net Benefit         (2019-07-12): TNB is cash out to borrower so missing last trans date is irrelevant. Exception cleared. Provide missing documentation
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Cleared 05/29/2019 1 12641558 Rhode Island Tangible Net Benefit Testing Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.         (2019-07-12): TNB is cash out to borrower so missing last trans date is irrelevant. Exception cleared.  
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   3 12641559 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
1353036 Refinance Cash-out - Other Primary 4/XX/2008 RI $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641560 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2008, prior to three (3) business days from transaction date of 04/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641561 Missing Document: Missing Final 1003             Provide missing documentation
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641562 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641563 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641564 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641565 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641566 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641567 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1354847 UTD UTD Primary 5/XX/2006 NH $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641568 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641569 Missing Document: Missing Final 1003             Provide missing documentation
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641570 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641571 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641572 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641573 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001.           Provide missing documentation
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641574 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641575 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355150 Refinance Cash-out - Other Primary 8/XX/2001 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641576 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353320           Missing File 07/12/2019 Loan Package Documentation Loan File Compliance Open   3 12641594 (Missing Doc) Incomplete loan images/file   Status is Missing, unable to do compliance testing or to determine if testing is required         Provide missing documentation
1355234 Refinance Cash-out - Other Primary       Missing File 07/12/2019 Loan Package Documentation Loan File Compliance Open   3 12641595 (Missing Doc) Incomplete loan images/file   Status is Missing, unable to do compliance testing or to determine if testing is required.         Provide missing documentation
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641596 Missing Document: Missing Final 1003             Provide missing documentation
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641597 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641598 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641599 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641600 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641601 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641602 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1354544 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641603 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641604 Missing Document: Missing Final 1003             Provide missing documentation
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641605 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641606 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641607 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641608 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641609 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641610 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353139 Refinance Cash-out - Other Primary 5/XX/2004 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641611 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641645 Missing Document: Missing Final 1003             Provide missing documentation
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641647 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641648 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641649 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641650 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641651 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641652 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641653 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353681 UTD UTD Primary 5/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641654 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641655 Missing Document: Missing Final 1003             Provide missing documentation
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12641656 Missing Document: Security Instrument not provided             Provide missing documentation
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641657 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12641658 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641659 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/24/2019 1 12641660 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641661 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12641662 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 6.250% and margin is -1.010%. This equates to an initial rate of 5.240%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 5.240% which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 5.240%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641663 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641664 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641665 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641666 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353221 UTD UTD UTD 8/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641667 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641668 Missing Document: Missing Final 1003             Provide missing documentation
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641669 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641670 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641671 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641672 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641673 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641674 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641675 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352054 UTD UTD Primary 9/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641676 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641685 Missing Document: Missing Final 1003             Provide missing documentation
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641686 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641687 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641688 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641689 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641690 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641691 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641692 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641693 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641694 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351469 Refinance Cash-out - Other Primary 11/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641695 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352587 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641706 Missing Document: Missing Final 1003             Provide missing documentation
1352587 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641707 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352587 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641708 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352587 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641709 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1352587 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641710 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352587 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641711 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352587 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641712 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353653 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641713 Missing Document: Missing Final 1003   .         Provide missing documentation
1353653 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641714 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353653 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641715 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353653 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641716 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353653 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641717 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353653 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641718 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353653 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641719 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641720 Missing Document: Missing Final 1003             Provide missing documentation
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641721 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641722 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641723 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641724 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641725 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641726 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351370 Refinance Cash-out - Other Primary 12/XX/2005 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641727 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1354478 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641736 Missing Document: Missing Final 1003             Provide missing documentation
1354478 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641737 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354478 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641738 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354478 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641739 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354478 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641740 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354478 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641741 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1354478 Refinance Cash-out - Other Primary 3/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641742 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641777 Missing Document: Missing Final 1003             Provide missing documentation
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12641778 Missing Document: Security Instrument not provided             Provide missing documentation
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641779 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641780 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641781 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641782 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641783 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641784 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641785 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352907 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641786 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641787 Missing Document: Missing Final 1003             Provide missing documentation
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641788 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641789 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641790 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641791 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641792 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641793 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641794 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641795 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641796 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354332 Refinance Cash-out - Other Primary 6/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641797 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641814 Missing Document: Missing Final 1003             Provide missing documentation
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641815 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641816 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641817 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641818 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641819 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641820 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641821 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350662 UTD UTD Primary 7/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641822 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641852 Missing Document: Missing Final 1003             Provide missing documentation
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641853 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641854 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641855 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641856 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641857 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641858 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351343 Refinance Cash-out - Other Primary 11/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641859 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641906 Missing Document: Missing Final 1003             Provide missing documentation
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641907 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641908 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641909 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641910 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641911 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641912 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641913 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353795 UTD UTD Primary 1/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641914 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12641955 Missing Document: Missing Final 1003             Provide missing documentation
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12641956 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12641957 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641958 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641959 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641960 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641961 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12641962 New York Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12641963 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641964 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351317 Refinance UTD Primary 4/XX/2007 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12641965 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642022 Missing Document: Missing Final 1003             Provide missing documentation
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642023 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642024 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642025 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642026 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642027 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642028 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642029 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642030 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350467 Refinance UTD Primary 7/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642031 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642032 Missing Document: Missing Final 1003             Provide missing documentation
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642033 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642034 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642035 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642036 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642037 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642038 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642039 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
1354242 Refinance UTD Primary 11/XX/2007 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642040 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642060 Missing Document: Missing Final 1003             Provide missing documentation
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642061 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642062 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642063 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642064 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642065 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642066 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642067 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642068 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642069 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
1351534 Refinance Cash-out - Other Primary 2/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642070 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642089 Missing Document: Missing Final 1003             Provide missing documentation
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642090 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642091 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642092 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642093 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642094 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642095 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642096 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354491 Refinance UTD Primary 3/XX/2008 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642097 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355029 Refinance Cash-out - Other Primary 8/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642109 Missing Document: Missing Final 1003             Provide missing documentation
1355029 Refinance Cash-out - Other Primary 8/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642110 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355029 Refinance Cash-out - Other Primary 8/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642111 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355029 Refinance Cash-out - Other Primary 8/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642112 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1355029 Refinance Cash-out - Other Primary 8/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642113 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355029 Refinance Cash-out - Other Primary 8/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642114 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2002.           Provide missing documentation
1355029 Refinance Cash-out - Other Primary 8/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642115 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642116 Missing Document: Missing Final 1003             Provide missing documentation
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642117 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642118 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642119 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642120 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002.           Provide missing documentation
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642121 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642122 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642123 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2002, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642124 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642125 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352344 Refinance Cash-out - Other Primary 10/XX/2002 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642126 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642136 Missing Document: Missing Final 1003             Provide missing documentation
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12642137 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642138 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642139 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642140 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642141 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642142 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642143 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
1351194 Refinance Cash-out - Other Primary 3/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642144 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642165 Missing Document: Missing Final 1003             Provide missing documentation
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642166 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642167 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642168 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642169 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642170 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642171 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353698 Refinance Cash-out - Other Primary 8/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642172 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642181 Missing Document: Missing Final 1003             Provide missing documentation
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642182 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642183 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642184 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642185 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642186 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642187 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642188 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354499 Refinance Cash-out - Other Primary 10/XX/2004 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642189 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642211 Missing Document: Missing Final 1003             Provide missing documentation
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642212 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642213 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642214 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642215 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642216 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642217 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642218 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642219 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351069 Refinance Cash-out - Other Primary 3/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642220 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642246 Missing Document: Missing Final 1003             Provide missing documentation
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642247 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642248 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642249 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): We have located the XXX Equity Maximizer Agreement & Disclosure dated 7/XX/05. Under this program, the bank did not charge any origination or closing fees. This is evidenced by the Disbursement and Closing Instructions which break down the fees and charges associated with the loan and confirm that all fees were paid by the bank. As such, no closing costs were charged to the borrower at origination.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642250 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642251 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642252 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per state (MA)          
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642253 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642254 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642255 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642256 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642257 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642258 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1351682 Refinance Cash-out - Other Primary 7/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642259 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642260 Missing Document: Missing Final 1003             Provide missing documentation
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642261 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642262 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642263 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642264 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642265 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642266 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period not allowed per state (MA) � min grace period for (MA) is 15 days - note states 10 days          
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642267 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. Late charge not allowed per state (MA) - max late charge for (MA) is 3% - note states 5%          
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642268 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642269 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642270 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354693 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642271 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642272 Missing Document: Missing Final 1003             Provide missing documentation
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642273 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642274 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642275 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642276 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642277 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642278 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642279 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642280 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354731 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642281 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642282 Missing Document: Missing Final 1003             Provide missing documentation
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642283 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642284 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642285 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642286 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642287 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642288 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642289 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642290 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642291 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642292 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352541 Refinance UTD Primary 9/XX/2005 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642293 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642373 Missing Document: Missing Final 1003             Provide missing documentation
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642374 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642375 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642376 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642377 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum allowed per MA.          
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642378 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642379 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642380 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642381 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642382 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12642383 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement & Disclosure Statement" which states that initial index = 7.750% and margin = -0.010%. This equates to an initial rate of 7.74%. The "Equity Maximizer Agreement & Disclosure Statement" also states that APR is 7.74%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.74%. In addition, the "Equity Maximizer Agreement & Disclosure Statement" also states: "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642384 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1351566 Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642385 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642397 Missing Document: Missing Final 1003             Provide missing documentation
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642398 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642399 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642400 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642401 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642402 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12642403 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement & Disclosure Statement" which states that initial index is 8.25% and margin is -0.510%. This equates to an initial rate of 7.740%. The "Equity Maximizer Agreement & Disclosure Statement" also states that APR is 7.740%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.740%. In addition, the "Equity Maximizer Agreement & Disclosure Statement" also states: "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642404 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642405 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642406 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642407 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642408 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period not allowed per state (MA) � min grace period for (MA) is 15 days - note states 10 days          
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642409 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information. Late charge not allowed per state (MA) - max late charge for (MA) is 3% - note states 5%          
1355032 UTD UTD Primary 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642410 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642421 Missing Document: Missing Final 1003             Provide missing documentation
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642422 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12642423 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642424 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642425 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642426 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642427 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642428 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642429 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642430 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642431 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352699 Refinance Cash-out - Other UTD 9/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642432 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642433 Missing Document: Missing Final 1003             Provide missing documentation
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642434 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642435 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642436 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642437 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12642438 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.250% and margin is -0.510%. This equates to an initial rate of 7.740%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 7.740% which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.740%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Additional HELOC Agreement provided is not for the subject loan. Agreement dated 7/XX/2003 i/a/o $XXX borrower XXX. Subject borrower XXX transaction date 10/XX/2006 i/a/o $XXXXX. AMC update 6/XX/2019 - Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. (2019-07-12): Actual disclosure of costs and fees not provided. Exception remains.  
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642439 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642440 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642441 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642442 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642443 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642444 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642445 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/10/2019 1 12642446 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352777 Refinance Cash-out - Other Primary 10/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/10/2019 1 12642447 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642461 Missing Document: Missing Final 1003             Provide missing documentation
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642462 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642463 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12642464 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642465 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642466 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642467 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642468 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642469 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642470 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642471 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642472 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642473 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642474 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642475 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354776 Refinance Cash-out - Other UTD 3/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642476 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642500 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642501 Missing Document: Missing Final 1003             Provide missing documentation
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642502 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642503 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642504 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642505 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642506 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642507 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642508 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the state of MA minimum grace period of 15 days.          
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642509 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1352248 Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642510 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642645 Missing Document: Missing Final 1003   Final 1003 not provided.         Provide missing documentation
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642646 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642647 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642648 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642649 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642650 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642651 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642652 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642653 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642654 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642655 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642656 Massachusetts Open End Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
1354398 Refinance UTD Primary 6/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642657 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642686 Missing Document: Missing Final 1003             Provide missing documentation
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642687 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642688 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642689 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642690 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642691 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642692 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642693 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642694 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642695 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642696 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642697 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642698 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642699 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642700 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351600 Refinance Cash-out - Other Primary 7/XX/2007 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642701 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642747 Missing Document: Missing Final 1003             Provide missing documentation
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642748 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642749 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642750 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642751 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642752 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642753 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642754 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than the 15 day minimum per State (MA).          
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642755 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642756 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642757 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642758 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642759 Massachusetts Open End Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
1354670 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642760 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642774 Missing Document: Missing Final 1003             Provide missing documentation
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642775 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642776 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642777 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642778 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642779 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642780 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642781 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642782 Massachusetts Open End Late Charge Grace Period Testing Note grace period less than minimum per state. The late charge grace period of 10 days is less than the state minimum grace period days of 15. (MA)          
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642783 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642784 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352861 Refinance Cash-out - Other Primary 3/XX/2008 MA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642785 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642799 Missing Document: Missing Final 1003             Provide missing documentation
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642800 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642801 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642802 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642803 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance State Compliance Compliance Open   2 12642804 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642805 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642806 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642807 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351012 Refinance Cash-out - Other Primary 4/XX/2006 NY $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642808 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642809 Missing Document: Missing Final 1003             Provide missing documentation
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642810 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642811 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642812 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642813 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642814 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642815 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642816 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642817 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1355268 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642818 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642819 Missing Document: Missing Final 1003             Provide missing documentation
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642820 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642821 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642822 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642823 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642824 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642825 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642826 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12642827 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 8.250% and margin is -0.010%. This equates to an initial rate of 8.240%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 8.240%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 8.240%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states"The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.  
1352976 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642828 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642829 Missing Document: Missing Final 1003             Provide missing documentation
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642830 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   3 12642831 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642832 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642833 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642834 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12642835 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642836 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12642837 Missing Document: Security Instrument not provided             Provide missing documentation
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642838 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642839 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353291 UTD UTD Primary 12/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642840 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642911 Missing Document: Missing Final 1003             Provide missing documentation
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642912 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642913 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642914 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642915 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642916 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642917 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002.           Provide missing documentation
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642918 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351758 Refinance Cash-out - Other Primary 3/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642919 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2003, prior to three (3) business days from transaction date of 03/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353804 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642961 Missing Document: Missing Final 1003             Provide missing documentation
1353804 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642962 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353804 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642963 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
1353804 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642964 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642966 Missing Document: Missing Final 1003             Provide missing documentation
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642967 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642968 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642969 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642970 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642971 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642972 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642973 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642974 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352752 Refinance Cash-out - Other Primary 10/XX/2003 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642975 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used, the G-5 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642979 Missing Document: Missing Final 1003             Provide missing documentation
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12642980 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642981 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642982 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642983 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642984 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): This loan closed under the line of credit program issued through XXX NA which is an open-end line of credit (HELOC). For this program, the HELOC Credit Agreement and Disclosure serves as both the Note and final TIL disclosure required under Regulation Z. Under this program the bank did not charge any origination fees. This is evidenced by the disbursement instructions which break down the fees and charges associated with the loan and confirm that there were no fees charged and no disbursements made by the bank.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642985 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642986 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception change to one with fees. Provide missing documentation
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12642987 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1351671 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642988 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12642989 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12642990 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): File documentation included the XXX Credit Agreement & Disclosure dated 01/XX/2004, which did not identify any specific fees due at loan closing. This is evidenced by two documents identified as Disbursement Request and Authorization dated 01/XX/2004 and the Boarding Data Sheet dated 01/XX/2004: neither document reflected any fees or charges on this loan.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12642991 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees Provide missing documentation
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12642992 Missing Document: Missing Final 1003             Provide missing documentation
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12642993 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/23/2019 1 12642994 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642995 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642996 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352331 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12642997 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643034 Missing Document: Missing Final 1003             Provide missing documentation
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643035 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Credit Open   2 12643036 Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type. Valuation Type: Drive By / Valuation Report Date: 05/XX/2004 Condo (Mid Rise)            
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643037 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643038 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643039 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643040 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #2 of the "Credit Agreement and Disclosure Statement" which states that initial index is 4.000% and margin is -0.250 %. This equates to an initial rate of 3.75%. The "Credit Agreement Disclosure Statement" also states that APR is 3.75%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 3.75%. In addition, the "Credit Agreement Disclosure Statement" also states" The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643041 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643042 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees Provide missing documentation
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643043 Incorrect Right To Cancel Form Used - G-6 or G-9 used on a Refinance HELOC Transaction Truth in Lending Act: Notice of Right to Cancel was executed on the G-6 or G-9 form. Elevate to Compliance for review.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643044 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid  
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643045 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 06/17/2019 1 12643046 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Authorization and Agreement signed by Borrower. Exception cleared.  
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643047 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643048 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353926 Refinance UTD Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643049 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352312 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643050 Missing Document: Missing Final 1003             Provide missing documentation
1352312 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643051 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352312 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643052 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352312 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643053 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352312 Refinance Cash-out - Other Primary 7/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643054 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643075 Missing Document: Missing Final 1003             Provide missing documentation
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643076 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #2 of the "Credit Agreement and Disclosure Statement" which states that initial index is 4.25% and margin is -0.25%. This equates to an initial rate of 4%. The "Credit Agreement Disclosure Statement" also states that APR is 4%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 4%. In addition, the "Credit Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." It is further noted, the Disbursement Instructions also reflect no fees and/or costs. As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643077 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643078 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643079 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643080 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643081 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643082 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643083 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643084 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
1350677 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643085 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643086 Missing Document: Missing Final 1003             Provide missing documentation
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643087 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643088 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643089 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643090 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643091 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643092 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643093 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643094 Incorrect Right To Cancel Form Used - G-7 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was not executed on the proper Model Form for a refinance transaction by a creditor that is not considered the original creditor. The G-7 or H-9 form was used instead of the G-5 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352232 Refinance Cash-out - Other Primary 10/XX/2004 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643095 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643122 Missing Document: Missing Final 1003             Provide missing documentation
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643123 Final Title Policy is missing. No evidence of title in file.   'File does not contain either Preliminary or Final Title.         Provide missing documentation
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643124 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643125 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643126 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643127 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643128 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643129 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643130 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353540 Refinance Cash-out - Other Primary 2/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643131 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643132 Missing Document: Missing Final 1003             Provide missing documentation
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643133 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643134 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643135 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643136 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643137 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643138 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355522 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643139 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643148 Missing Document: Missing Final 1003             Provide missing documentation
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643149 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643150 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643153 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.         (2019-07-12): Exception no longer valid.  
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643154 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.     (2019-07-12): Please refer to page #2 of the "Credit Agreement and Disclosure Statement" which states that initial index is 5.750% and margin is -0.250 %. This equates to an initial rate of 5.5%. The "Credit Agreement Disclosure Statement" also states that APR is 5.5%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 5.5%. In addition, the "Credit Agreement Disclosure Statement" also states" The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.   (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643156 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643159 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-07-12): Exception changed to one with fees. Provide missing documentation
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643161 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Cleared 05/22/2019 1 12643163 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.         (2019-07-12): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.  
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643164 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
1352317 Refinance Cash-out - Other Primary 4/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643165 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1355228 Refinance Cash-out - Other Primary 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643179 Missing Document: Missing Final 1003             Provide missing documentation
1355228 Refinance Cash-out - Other Primary 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643180 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1355228 Refinance Cash-out - Other Primary 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643181 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355228 Refinance Cash-out - Other Primary 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643182 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355228 Refinance Cash-out - Other Primary 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643183 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355228 Refinance Cash-out - Other Primary 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643184 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1355228 Refinance Cash-out - Other Primary 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643185 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Loan File Compliance Cleared 06/12/2019 1 12643190 (Missing Doc) Incomplete loan images/file   File only contains Mortgage. Compliance testing not completed.       (2019-07-12): HELOC Agreement provided. Exception cleared. Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643191 Missing Document: Missing Final 1003             Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Compliance Cleared 06/12/2019 1 12643192 Missing Document: Missing Lender's Initial 1003           (2019-07-12): Replaced with exception id# 7027. Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Compliance Cleared 06/12/2019 1 12643193 Missing Document: Note - Subject Lien not provided       (2019-07-12): The origination subject Note has been located and uploaded.   (2019-07-12): HELOC Agreement provided. Exception cleared. (2019-07-12): HELOC Agreement provided is Incomplete, only 1 page received. Exception remains. Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643194 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643195 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12643196 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643197 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643198 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643199 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643200 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643201 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1355137 UTD UTD UTD 6/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643202 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643203 Missing Document: Missing Final 1003             Provide missing documentation
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643204 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643205 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643206 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643207 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643208 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643209 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353941 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643210 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354950 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643240 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354950 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643241 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354950 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643242 Missing Document: Missing Final 1003             Provide missing documentation
1351369 Refinance Cash-out - Home Improvement Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643268 Missing Document: Missing Final 1003             Provide missing documentation
1351369 Refinance Cash-out - Home Improvement Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643269 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1351369 Refinance Cash-out - Home Improvement Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643270 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
1351369 Refinance Cash-out - Home Improvement Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643271 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1351369 Refinance Cash-out - Home Improvement Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643272 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
1354778 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643273 Missing Document: Missing Final 1003             Provide missing documentation
1354778 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643274 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354778 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643275 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354778 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643276 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1354778 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643277 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354778 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643278 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354778 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643279 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643280 Missing Document: Missing Final 1003             Provide missing documentation
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643281 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643282 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643283 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643284 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643285 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643286 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643287 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643288 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
1350497 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643289 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643290 Missing Document: Missing Final 1003             Provide missing documentation
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643291 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643292 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643293 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643294 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643295 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643296 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
1353568 Refinance Cash-out - Other Primary 11/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643297 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353953 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643298 Missing Document: Missing Final 1003             Provide missing documentation
1353953 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1353953 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643300 Incorrect Right To Cancel Form Used - G-6 or G-9 used on a Refinance HELOC Transaction Truth in Lending Act: Notice of Right to Cancel was executed on the G-6 or G-9 form. Elevate to Compliance for review.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353953 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643301 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353953 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643302 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353953 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643303 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1353953 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643304 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643305 Missing Document: Missing Final 1003             Provide missing documentation
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643307 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643308 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643309 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643310 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643311 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643312 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
1352415 Refinance Cash-out - Other Primary 12/XX/2005 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643313 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643314 Missing Document: Missing Final 1003             Provide missing documentation
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643315 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643316 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643317 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643318 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643319 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643320 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643321 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643322 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354675 Refinance UTD Primary 2/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643323 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1354799 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643336 Missing Document: Missing Final 1003             Provide missing documentation
1354799 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643337 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354799 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643338 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354799 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643339 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1354799 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643340 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1355498 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643341 Missing Document: Missing Final 1003             Provide missing documentation
1355498 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643342 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355498 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643343 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1355498 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643344 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
1355498 Refinance Cash-out - Other Primary 3/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643346 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643376 Missing Document: Missing Final 1003             Provide missing documentation
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12643377 Missing Document: Security Instrument not provided             Provide missing documentation
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643378 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643379 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643380 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643381 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643382 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643383 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643384 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643385 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643386 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643387 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
1354515 Refinance Cash-out - Other Primary 8/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643388 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643443 Missing Document: Missing Final 1003             Provide missing documentation
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643444 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643445 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643446 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643447 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643448 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643449 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643450 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353352 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643451 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643521 Missing Document: Missing Final 1003             Provide missing documentation
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643522 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643523 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643524 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643525 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643526 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643527 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
1352488 Refinance Cash-out - Other Primary 11/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643528 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354405 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643536 Missing Document: Missing Final 1003             Provide missing documentation
1354405 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643537 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1354405 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643538 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
1354405 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643539 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1354405 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643540 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1354405 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643541 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1354405 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643542 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643575 Missing Document: Missing Final 1003             Provide missing documentation
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Closing / Title Credit Open   3 12643579 Missing Document: Security Instrument not provided             Provide missing documentation
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643582 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643584 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title         Provide missing documentation
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643596 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643607 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643621 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
1350996 Refinance Cash-out - Other Primary 1/XX/2006 VA $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643646 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12643562 Missing Document: Missing Final 1003             Provide missing documentation
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12643563 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643564 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12643565 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643566 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643572 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643598 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643600 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12643602 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643608 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
1351188 Refinance Cash-out - Other UTD 7/XX/2006 IL $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12643614 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Loan Package Documentation Application / Processing Credit Open   2 12648693 Missing Document: Missing Final 1003             Provide missing documentation
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 12648694 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Miscellaneous Compliance Compliance Open   2 12648695 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 12648696 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12648697 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12648698 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12648699 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12648700 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12648702 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12648704 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
1353423 Refinance Cash-out - Other UTD 8/XX/2006 CT $XXX Loan Review Complete 07/12/2019 Compliance Federal Compliance Compliance Open   2 12648706 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation