AMC Unique LOAN ID	Overall Event	Final Credit Event	Credit Exceptions	Credit Comments	Final Compliance Event	Compliance Exceptions	Compliance Comments	Eligible For Predatory Testing - Unable to Test	Compliance Comp Factors	Purpose at origination	Occupancy at origination	LTV Original (Calculated)	LTV Combined Orig (Calculated)	Debt (Back) Ratio From 1008
70007913	2	1			2	[2] Initial TIL Missing [2] Initial GFE Missing [2] Credit Score Disclosure Not Present				Rate/Term Refi	Owner Occ
70010375	2	1			2	[2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Missing				Cashout Refi	Owner Occ	72.57	72.57	48
70030663	3	3	[3] Final Application Missing		2	[2] State - Missing Anti-Coercion Notice [2] State - Missing Pre-Application Dislcosure [2] Initial GFE Missing				HELOC	Owner Occ	27.92	90.42	35.302
70039371	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Investment Property	95	95	43
70053789	3	3	[3] Final Application Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Affiliated Business Doc Missing [2] State - Missing Attorney/Insurance Preference Dislcosure [2] State - Missing Agency to Receive Borrower Complaints [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Second Home	19.69	98.46	38.3
70054226	3	3	[3] No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note and payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.	3	[3] ROR Missing [3] Finance Charge underdisclosed >$35 for Refinance [2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing Appraisal Notice [2] Initial GFE Missing [2] Initial TIL Missing	Finance charges under disclosed by $54.69 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Rate/Term Refi	Owner Occ	79.08	79.08
70070898	3	3	[3] Final Application Missing [3] Missing Title Evidence		2	[2] Affiliated Business Doc Missing [2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2] State - Missing Mortgage Loan Origination Dislcosure [2] State - Missing Attorney General Information Statement [2] State - Missing Statutory Authority Disclosure [2] State - Missing Closing Statement / Closing Disclosure [2] Initial GFE Missing				HELOC	Owner Occ	20.27	100	39
70193352	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	20	100	44.29
70209085	3	3	[3] Missing Initial Application		2	[2] Initial GFE Missing				HELOC	Owner Occ	20	100	41.65
70268502	3	1			3	[3] Violation of TX Equity Out 12 Day Cooling-Off Period [3] [TXH] Home Loan Provision: No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing [2] State - Missing Notice of Penalties for Making False or Misleading Written Statement [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Affiliated Business Doc Missing	[TXH] Home Loan Provision: No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure in file was executed on 02/XX/2007 and subject loan closed 04/XX/2007; however, lender did not received borrower's application until 04/XX/2007 violating the TX Equity Out 12 day cooling-off period.		A 50a6 violation may lead to forfeiture of all principal and interest. A 50a6 violation may lead to forfeiture of all principal and interest.	Cashout Refi	Owner Occ	80	80	37.12
70321087	2	1			2	[2] Affiliated Business Doc Missing				Purchase	Owner Occ	97.69	97.69	37.71
70338729	3	3	[3] Final Application Missing [3] Missing Title Evidence [3] Missing Initial Application		2	[2] State - Missing Waiver of Borrower's Rights [2] State - Missing Affidavit of Borrower Under Residential Mortgage Act [2] State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2] State - Missing Right to Select Attorney Disclosure [2] Initial GFE Missing [2] Initial TIL Missing				Purchase	Owner Occ	19.97	99.96	38.92
70417643	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	20	100	42.58
70420603	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Mising Illinois Mortgage Escrow Act Disclosure [2] State - Missing Escrow Account Disclosure Agreement [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	80	100	44.25
70460357	3	3	[3] Final Application Missing [3] Appraisal Incomplete [3] Missing Initial Application	Appraisal incomplete due to missing page 1 and page 2 of the URAR form.	2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure				Cashout Refi	Owner Occ	100	100	21.8
70504456	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	90	90	42.16
70557460	3	3	[3] Missing Title Evidence [3] Missing Initial Application		2	[2] State - Missing Non Agency Disclosure [2] State - Missing Notice of Right to Discontinue Escrow [2] State - Missing Right to Choose Insurance Provider [2] Initial GFE Incomplete [2] Initial TIL Missing	Incomplete initial GFE due to missing date.			Cashout Refi	Owner Occ	91.67	91.67
70590600	3	3	[3] Final Application Missing [3] Missing Title Evidence		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	20	99.82
70615141	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Pre-Application Dislcosure [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	34.85	80.46
70631630	3	3	[3] Final Application Missing [3] Credit Report Missing		2	[2] State - Missing Anti-Coercion Notice [2] State - Missing Choice of Attorney disclosure [2] State - Missing Amortization Information Disclosure				Purchase	Owner Occ	97.1	97.1	38.46
70683867	2	1			2	[2] State - Missing Guarantee Of Loan Program [2] State - Missing MD Mandatory Arbitration Disclosure [2] State - Missing MD No Escrow Account Disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Disclosure of Seller-Paid Fees [2] State - Missing Mortgage Broker Agreement [2] State - Missing Written Acknowledgement of Delivery of the Note [2] State - Missing Credit Grantor Election [2] State - Missing MD Notice of Housing Counseling and Services disclosure				Purchase	Investment Property	10	90
70688385	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] State - Missing signed Notice of Mortgage Broker Fee [2] Initial GFE Missing				HELOC	Owner Occ	25.93	96.61	38.84
70712598	3	3	[3] Missing Initial Application [2] Only Preliminary Title in File		2	[2] Initial GFE Missing				HELOC	Owner Occ	23.86	99.71	44.99
70862322	3	3	[3] Final Application Missing [3] Appraisal Incomplete [3] Missing Title Evidence [3] Missing Initial Application	Appraisal incomplete due to missing recertification of value. Appraisal report dated 1/3/2005, loan originated 7/XX/2005.	3	[3] HUD-1 Missing [3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Credit Score Disclosure Not Present [2] State - Missing Borrower Information Document [2] State - Missing Rate and Points Lock/Float Agreement [2] State - Missing Description of Underwriting Criteria and Required Documentation [2] State - Missing Commitment Letter [2] Initial GFE Missing		YES	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	17	82	43.63
70951561	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Credit Score Disclosure Not Present [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	14.12	87.85
70971668	3	3	[3] Final Application Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2] State - Missing Consumer Credit Score Disclosure [2] State - Missing Fair Lending Notice [2] State - Missing Hazard Insurance Disclosure [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Impound Authorization Disclosure [2] State - Missing Interim Interest Disclosure [2] State - Missing Home Equity Loan Disclosure [2] State - Missing Waiver of Title Insurance Disclosure [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	23.3	79.21
70973150	1	1			1					Cashout Refi	Owner Occ
70978945	3	3	[3] MI Missing		3	[3] TIL Missing [2] Credit Score Disclosure Not Present [2] State - Missing Notice to Purchaser-Mortgagor [2] State - Missing Anti-Coercion Notice		NO		Construction To Perm	Owner Occ	87.82	87.82	32.69
71019533	3	3	[3] Credit Report Missing [3] Missing Initial Application		3	[3] [GA] Home Loan Provision: Mandatory Arbitration Provision found in file. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans. [2] Affiliated Business Doc Missing [2] State - Missing Commitment Disclosure [2] State - Missing Right to Select Attorney Disclosure [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present	[GA] Home Loan Provision: Mandatory Arbitration Provision found in file. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans.			Cashout Refi	Owner Occ	79.83	79.83
71109958	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial GFE Date not within 3 days of Initial Application Date [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Waiver of Borrower's Rights [2] State - Missing Affidavit of Borrower Under Residential Mortgage Act [2] State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2] State - Missing Right to Select Attorney Disclosure [2] Initial TIL Missing				Cashout Refi	Owner Occ	8	88	42.73
71202067	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] Affiliated Business Doc Missing [2] State - Missing Attorneys' Fees Disclosure [2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2] State - Missing Written Acknowledgement of Delivery of the Note				Purchase	Owner Occ	20	100
71204781	3	3	[3] Final Application Missing		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Notice to Purchaser-Mortgagor [2] State - Missing Pre-Application Dislcosure [2] Initial TIL Missing				Purchase	Owner Occ	80	100	48.784
71224633	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Rate Lock Disclosure [2] State - Missing Disclosure of Facts Material to the Borrower's Decision, Rights or Interests [2] State - Missing Disclosure of Loans that Borrower Qualifies For [2] State - Missing Mortgage Loan Summary [2] Initial TIL Missing				Cashout Refi	Owner Occ	85	85	49.14
71237100	1	1			1					Cashout Refi	Owner Occ
71471654	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	15.63	58.88
71498137	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Missing Initial Application		3	[3] ROR Missing [2] State - Missing Rate and Points Lock/Float Agreement [2] HMDA-reportable rate spread (1/1/04-10/1/09)			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	75	75	49.4974
71507667	3	2	[2] Manufactured (Double-Wide)		3	[3] Finance Charge underdisclosed >$35 for Refinance [2] Affiliated Business Doc Missing [2] State - Missing Anti-Coercion Notice [2] State - Missing Choice of Attorney disclosure	Finance charges under disclosed by $85 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a courier fee of $60 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Rate/Term Refi	Owner Occ	90	90	50
71509436	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present				Cashout Refi	Owner Occ	76.19	76.19	50.63
71517906	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	80	80
71521453	2	1			2	[2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	20	90
71569188	3	3	[3] Missing Initial Application		3	[3] HELOC Underdislosed Finance Charge	Finance charges under disclosured by $200. The initial fee disclosure did not disclosure a Closing Fee of $250.		1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.The loan is outside the SOL.	HELOC	Second Home	9.98	89.92	48.45
71661346	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] TIL Missing [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Mortgage Consumer Disclosure [2] State - Missing Commitment Letter [2] State - Missing Rate Lock [2] State - Missing Application Disclosure [2] State - Missing Freedom to Choose / Anti-Coercion Disclosure [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)		NO		Purchase	Owner Occ	20	100
71717871	3	3	[3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] State - Missing Right to Select Attorney Disclosure [2] Initial TIL Missing				Cashout Refi	Owner Occ	12.11	92.11	43.32
71800663	3	3	[3] Final Application Missing		1					HELOC	Owner Occ	18.32	90.08	47.691
71819444	3	3	[3] MI Missing [3] Mortgage/DOT Incomplete [2] Combined Orig LTV >100%	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC. Mortgage incomplete due to missing notary acknowledgment page.	3	[3] APR Tolerance UnderDisclosed 0.125 [3] Finance Charge underdisclosed >$100 for Purchase [3] Federal Higher-Priced Mortgage Loan [2] HMDA-reportable rate spread (10/1/09 and later) [2] State - Missing Complaints and Inquiries Notice	APR under disclosed by .4689 which exceeds the .125 tolerance. Federal Higher-Priced Mortgage Loan - Audited APR (5.5939%) exceeds the HPML threshold of 5.23% (1.5% over applicable APOR, 3.73%). Loan appears to comply with repayment ability, prepayment penalty, and escrow restrictions and requirements applicable to Federal HPMLs. Finance charges under disclosed by $2609.29 which exceeds the $100 for purchase. TIL Itemization did not disclose settlement fees: Origination fee $1547.33, discount points $547.75 final inspection fee $75.00, Bond commitment fee $560 and wire fee $10 as prepaid finance charges.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.	Purchase	Owner Occ	96.5	100.4	48.723
71901267	2	1			2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	100	100	45.75
71964855	3	3	[3] Credit Report Missing [3] Missing Initial Application		1					Rate/Term Refi	Owner Occ	74.18	74.18	46.9
72040022	1	1			1					Cashout Refi	Owner Occ
72128099	2	1			2	[2] State - Missing Credit Agreeement/Rate Lock [2] State - Missing Guaranty Terms Agreement [2] State - Missing Dual Status / Dual Capacity Disclosure [2] State - Missing required broker disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Right to Choose Insurance Provider [2] State - Missing Tangible Net Benefit Disclosure				Purchase	Owner Occ	20	100	43.606
72215088	1	1			1					Cashout Refi	Owner Occ
72301638	3	3	[3] MI Missing	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.	2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] State - Missing Anti-Coercion Notice [2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing NMLS Unique Identifier # and WA CLA mortgage loan originator's license number on the application [2] State - Missing Oral Agreement Notice [2] State - Missing Notice of Right to Cancel Private Mortgage Insurance				Purchase	Owner Occ	97.15	97.15	39.7
72378291	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Affiliated Business Doc Missing [2] State - Missing Broker Agreement [2] State - Mising Illinois Mortgage Escrow Act Disclosure [2] State - Missing Rate and Points Lock/Float Agreement [2] State - Missing Description of Underwriting Criteria and Required Documentation [2] State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2] State - Missing Escrow Account Disclosure Agreement [2] State - Missing Collateral Protection Act Disclosure [2] State - Missing Commitment Letter [2] State - Missing Notice of Choice of Agent or Insurer [2] State - Missing Loan Brokerage Disclosure Statement [2] Initial GFE Missing [2] Initial TIL Missing				Purchase	Owner Occ	100	100	50.02
72528607	3	3	[3] Credit Report Missing		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04) [2] Initial TIL Missing				Rate/Term Refi	Owner Occ	80.44	80.44
72530616	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Rate/Term Refi	Owner Occ	90	90
72747064	2	1			2	[2] State - Missing Lock In Agreement [2] State - Missing Mortgage Loan Commitment [2] Initial GFE Missing				HELOC	Owner Occ	30.39	98.34	34.06
72774171	3	3	[3] Missing Initial Application		3	[3] Finance Charge underdisclosed >$35 for Refinance [2] Affiliated Business Doc Missing [2] State - Missing Commitment Letter [2] State - Missing Rate Lock [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)	Finance charges under disclosed by $299.82 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Cashout Refi	Owner Occ	85	85	37.685
72812501	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] TIL Missing [3] ROR Missing [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Anti-Coercion Notice [2] State - Missing Choice of Attorney disclosure [2] State - Missing Amortization Information Disclosure [2] State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Rate/Term Refi	Owner Occ	95	95
72833314	3	3	[3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] Initial TIL Missing				Cashout Refi	Owner Occ	19.29	99.68	36.46
72895080	2	1			2	[2] State - Missing MD Balloon Disclosure				Cashout Refi	Owner Occ	10	90	34.262
72988469	2	1			2	[2] State - Missing Appraisal Notice				HELOC	Owner Occ	9.66	71.11
73083900	3	3	[3] No Net Tangible Benefit To Borrower [3] Missing Initial Application	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.	3	[3] ROR Missing [2] Credit Score Disclosure Not Present [2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Rate/Term Refi	Owner Occ	25.56	92.58	40.53
73089324	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	20	100	27.88
73145768	3	3	[3] Final Application Missing [3] Missing Initial Application		3	[3] HUD-1 Estimated [2] State - Missing Notice to Purchaser-Mortgagor [2] State - Missing Pre-Application Dislcosure [2] State - Missing Notice of Material Change of Mortgage Loan Terms [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date	Estimated HUD in file is executed by the borrower and certified by the settlement agent.	NO		Purchase	Owner Occ	80	100	42.64
73179579	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Affiliated Business Doc Missing [2] State - Missing Fair Lending Notice [2] State - Missing Hazard Insurance Disclosure [2] State - Missing Mortgage Broker Agreement [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Domestic Partnership Affidavit [2] State - Missing Impound Authorization Disclosure [2] State - Missing Interim Interest Disclosure [2] Initial GFE Missing [2] Initial TIL Missing				Purchase	Owner Occ	20	100	40.46
73234240	2	1			2	[2] Initial GFE Date not within 3 days of Initial Application Date [2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Missing				Purchase	Owner Occ	100	100	46.45
73258869	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	85	85	34.204
73280578	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] State - Missing Rate and Points Lock/Float Agreement [2] State - Missing Application Disclosure Statement [2] State - Missing Description of Underwriting Criteria and Required Documentation [2] State - Missing Collateral Protection Act Disclosure [2] Initial GFE Missing [2] Initial TIL Missing				Purchase	Owner Occ	100	100
73328262	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] TIL Missing [3] ROR Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Notice to Mortgage Applicants / Legal Representation Notice [2] Initial GFE Missing [2] Initial TIL Missing		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	75	75
73420480	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application [2] Negam by Note Design		3	[3] TIL Missing [3] ROR Missing [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Application Disclosure [2] State - Missing Mortgage Broker Agreement [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	94.35	94.35
73527909	1	1			1					Purchase	Owner Occ	97	97	33.73
73544390	3	3	[3] Credit Report Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] State - Missing Broker Agreement [2] State - Missing Freedom to Choose Insurance Provider disclosure [2] State - Missing Notice to Borrower/Prospective Borrower / Homeowner Protection Notice [2] State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)				Purchase	Owner Occ	100	100	45.6
73553226	3	3	[3] Credit Report Missing [3] Application Incomplete	Incomplete Final Application due to missing origination entity information.	2	[2] State - Missing Commitment Letter [2] State - Missing Consumer Disclosure Statement [2] State - Missing Application Disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Missing				Rate/Term Refi	Owner Occ	95	95	44.32
73636149	3	3	[3] Credit Report Missing		2	[2] State - Missing Attorney Disclosure [2] State - Missing Insurance Disclosure [2] State - Missing Mortgage Broker Agreement [2] State - Missing Initial Tax Authorization Notice [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	77.01	77.01	40
73818849	2	1			2	[2] Initial TIL Missing				Cashout Refi	Owner Occ
73830155	2	1			2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date				Cashout Refi	Owner Occ
73849532	3	1			3	[3] ROR Missing [3] HUD-1 Incomplete [3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] State - Missing Adjustable Rate Loan Without Prepayment Penalty [2] Initial GFE Missing	Final HUD not executed by the borrower or certified by the settlement agent. Final HUD is also missing page 2 of the HUD cut-off, all fees were not captured.	NO	ROR - 3yrs for rescindable transactions. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	52.57	89.99	43
73868787	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Note Incomplete [2] Manufactured (Double-Wide)	Note incomplete due to missing first payment date, maturity date, and principal and interest payment amount.	2	[2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing Lock In Disclosure [2] State - Missing Virginia Insurance Disclosure [2] State - Missing signed Notice of Mortgage Broker Fee [2] Initial GFE Missing [2] Initial TIL Missing				Construction To Perm	Owner Occ	86.96	86.96
73913359	3	3	[3] Initial Application Unsigned		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	100	100	39.82
73918046	3	3	[3] Credit Report Missing		3	[3] [TXH] Home Loan Provision: No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing [2] State - Missing Notice of Penalties for Making False or Misleading Written Statement [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Mortgage Banker Disclosure [2] State - Missing Collateral Protection Insurance Notice	[TXH] Home Loan Provision: No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing		A 50a6 violation may lead to forfeiture of all principal and interest.	Cashout Refi	Owner Occ	75	75	51.89
73924619	3	3	[3] Appraisal Incomplete [3] Application Incomplete [3] Missing Initial Application [2] Combined Orig LTV >100% [2] Original LTV > 125%	Appraisal incomplete due to bottom sections of all pages are cut off. Final Application incomplete due to bottom sections of all pages are cut off.	3	[3] Finance Charge underdisclosed >$35 for Refinance [3] HUD-1 Incomplete	Final HUD not signed by the borrower or stamped by settlement agent. Finance charges under disclosed by $118.91 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing TIL itemization of amount financed; There is a Lender credit on line 204 for $737.68 which is un-itemized therefore excluded.	YES	Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is within the SOL.	Rate/Term Refi	Owner Occ	151.88	151.88	62
73964997	3	3	[3] Final Application Missing [3] Credit Report Missing [3] No Net Tangible Benefit To Borrower [3] Missing Initial Application	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.	3	[3] TIL Missing [3] ROR Missing [2] Credit Score Disclosure Not Present [2] State - Missing Anti-Coercion Notice [2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing Rate Lock Disclosure [2] State - Missing Oral Agreement Notice [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Rate/Term Refi	Owner Occ	11.25	84.92
73987087	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] State - Missing Commitment Letter [2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing Lock In Disclosure [2] State - Missing Virginia Insurance Disclosure [2] State - Missing Choice of Settlement Agent Disclosure				Cashout Refi	Owner Occ	85	85	53.77
74063595	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] TIL Missing [3] ROR Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Anti-Coercion Notice [2] State - Missing Broker Agreement [2] State - Missing Pre-Application Dislcosure [2] State - Missing Notice of Material Change of Mortgage Loan Terms [2] Initial GFE Missing [2] Initial TIL Missing		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	78.03	78.03
74088622	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] State - Missing Interest Rate Lock/Float Information [2] State - Missing Lock In Agreement				Construction To Perm	Owner Occ	72.73	72.73	14.88
74154956	3	1			3	[3] Finance Charge underdisclosed >$35 for Refinance [3] ROR Incorrect Form - Non Lender to Lender Not On H8/G8 [2] State - Missing Choice of Settlement Agent Disclosure [2] Initial TIL Missing [2] Affiliated Business Doc Missing [2] State - Missing Commitment Letter [2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing Lock In Disclosure [2] State - Missing Virginia Insurance Disclosure	Finance charges under disclosed by $140.75 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed. ROR incorrect form used for non lender to lender refinance, H8 or G8 form not used.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. The loan is outside the SOL.	Cashout Refi	Owner Occ	100	100	41.51
74247728	2	1			2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] Credit Score Disclosure Not Present [2] State - Missing Interest Rate Disclsoure [2] State - Missing Notice of Expiration of Loan Commitment [2] State - Missing Prevailing Commitment Disclosure [2] State - Pre-Application Disclosure Statement [2] State - Missing Borrower's Choice of Attorney Disclosure [2] State - Missing Junior / Subordinate Lien Disclosure				Purchase	Owner Occ	15	95	34.16
74438309	3	3	[3] Credit Report Missing [2] Only Preliminary Title in File		3	[3] ROR Violation Funding date is prior to or equals the ROR End Date [2] State - Missing Notice to Cosigner [2] State - Missing Waiver of Title Insurance Disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09)	ROR executed by XXX 06/XX/2007 with expiration of rescission period noted as 06/XX/2007. HUD reflects a funding date of 06/XX/2007, equal to the rescission period expiration date, and 5 days of interest was credited which coincides with a 06/XX/2007 funding date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	65	65	53.47
74526923	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] TIL Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2] State - Missing Consumer Credit Score Disclosure [2] State - Missing Fair Lending Notice [2] State - Missing Hazard Insurance Disclosure [2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Domestic Partnership Affidavit [2] State - Missing Impound Authorization Disclosure [2] State - Missing Interim Interest Disclosure [2] Initial GFE Missing [2] Initial TIL Missing		YES		Purchase	Owner Occ	100	100
74545867	1	1			1					Purchase	Owner Occ
74548315	1	1			1					Purchase	Owner Occ	100	100	31.89
74565481	1	1			1					Cashout Refi	Owner Occ
74656315	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Rate/Term Refi	Owner Occ	20	100	49.33
74721140	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	20	100	40.43
74815797	3	1			3	[3] APR Tolerance UnderDisclosed 0.125 [3] Finance Charge underdisclosed >$100 for Purchase	APR under disclosed by .3120 which exceeds the .125 tolerance. Finance charges under disclosed by $9055.11 which exceeds the $100 tolerance for purchase transactions. Under disclosure due to final payment stream on TIL reflecting a MI payment of $111.92 (.67%) for 12 payments rather than 120 payments as reflected on the MI cert in file.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Purchase	Owner Occ	95	95	64.38
74949208	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] Affiliated Business Doc Missing [2] State - Missing Interim Interest Disclosure				Rate/Term Refi	Investment Property	64.29	64.29
75038665	1	1			1					Purchase	Owner Occ	9.98	89.97	36.8
75052801	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	83.04	83.04	49.94
75064192	3	3	[3] Appraisal Missing		1					Cashout Refi	Second Home	59.53	59.53	33.26
75078200	2	1			2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] Credit Score Disclosure Not Present [2] State - Missing Residential Property Disclosure / Homeowner's Certification of Principal Residence [2] State - Missing Home Buyers Property Tax Payment Option [2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2] State - Missing Disclosure of Seller-Paid Fees [2] State - Missing First Time Home Buyer Affidavit [2] State - Missing Licensee Information or Affidavit of Exemption				Purchase	Owner Occ	100	100
75156877	3	3	[3] Missing Initial Application		2	[2] State - Missing Application Disclosure [2] State - Missing Net Tangible Benefit Worksheet				Cashout Refi	Owner Occ	9.4	89.4	40.83
75202212	2	2	[2] Negam by Note Design		2	[2] Initial GFE Date not within 3 days of Initial Application Date [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Rate/Term Refi	Investment Property	80	80	31.34
75230331	3	3	[3] Appraisal Missing		2	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] Initial GFE Missing				HELOC	Owner Occ	18.97	70.24	31.948
75282484	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] Initial TIL Missing				Purchase	Owner Occ	20	100	40.7
75437223	1	1			1					Cashout Refi	Owner Occ
75441218	3	3	[3] Credit Report Missing		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note [2] Initial TIL Missing				Cashout Refi	Owner Occ	90	90	33.24
75448719	3	3	[3] Appraisal Missing		3	[3] Federal Higher-Priced Mortgage Loan [3] Missing Certificate of Compliance/Exemption from IL Predatory Lending Database Program [2] HMDA-reportable rate spread (10/1/09 and later) [2] Loan is subject to IL Predatory Lending Database Program [2] Affiliated Business Doc Missing [2] State - Missing Description of Underwriting Criteria and Required Documentation [2] State - Missing Commitment Letter	Federal Higher-Priced Mortgage Loan - stated APR of 6.857% and audited APR of 6.8568% exceed the HPML threshold of 6.37% (1.5% over applicable APOR, 4.87%). Loan appears to comply with repayment ability and prepayment penalty restrictions and requirements applicable to federal HPMLs. Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program is not in file Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program is not in file.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.	Purchase	Owner Occ	95	95	46
75543606	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] TIL Missing [3] HUD-1 Missing [2] State - Missing Mortgage Consumer Disclosure [2] State - Missing Rate Lock [2] State - Missing Application Disclosure [2] State - Missing Freedom to Choose / Anti-Coercion Disclosure [2] Initial GFE Missing [2] Initial TIL Missing		NO		Purchase	Owner Occ	21.8	100
75612816	2	1			2	[2] Initial TIL Missing [2] Credit Score Disclosure Not Present				Cashout Refi	Owner Occ
75787192	3	3	[3] Missing Initial Application [2] Negam by Note Design		2	[2] Initial GFE Missing [2] Initial TIL Missing [2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	90	90	40.99
75819756	3	2	[2] Negam by Note Design		3	[3] TIL Incomplete [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial GFE Missing	Final TIL incomplete due to being signed on closing date however marked preliminary.			Rate/Term Refi	Owner Occ	95	95	19.97
75840947	2	2	[2] Combined Orig LTV >100%		1					Rate/Term Refi	Second Home	121.75	140.16	23.84
75842711	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] State - Missing Attorney Disclosure				Cashout Refi	Owner Occ	90	90	12.38235
75846509	1	1			1					Cashout Refi	Owner Occ	72.11	72.11	43.53
75894235	1	1			1					Rate/Term Refi	Owner Occ
75905030	3	3	[3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Initial GFE Date not within 3 days of Initial Application Date [2] Credit Score Disclosure Not Present [2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2] State - Missing Consumer Credit Score Disclosure [2] State - Missing Fair Lending Notice [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Interim Interest Disclosure [2] State - Missing Home Equity Loan Disclosure			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	15	95	40.13
76008185	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] Affiliated Business Doc Missing				Purchase	Owner Occ	100	100	26.4
76055034	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Dual Status / Dual Capacity Disclosure				Purchase	Owner Occ	100	100	43
76123862	2	1			2	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Domestic Partnership Affidavit [2] State - Missing Home Equity Loan Disclosure				HELOC	Owner Occ	17.96	67.9	42.172
76142788	2	1			2	[2] Initial TIL Missing				Cashout Refi	Owner Occ
76200858	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	7.14	86.46	48.57
76213741	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] HUD-1 Incomplete [2] Affiliated Business Doc Missing [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)	HUD in file is a signed estimated copy and not signed by the borrower or stamped by settlement agent.	NO		Purchase	Owner Occ	15	95
76257359	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	95	95	42
76257536	2	1			2	[2] State - Missing Application Disclosure [2] State - Missing Right to Choose Insurance Provider [2] State - Missing Affidavit of Affixation (of manufactured home) [2] State - Missing Rate Lock [2] State - Missing Title Insurance Notice [2] State - Missing Separate and distinct Prepayment Penalty Disclosure on the Note [2] State - Missing Documentation of Fees paid to Third Parties [2] State - Missing Licensee Name Number and NMLS Unique Identifier on the application				Cashout Refi	Owner Occ	80	80	32.7
76285797	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial GFE Date not within 3 days of Initial Application Date [2] Initial TIL Missing				Cashout Refi	Owner Occ	80	80	44.84
76323813	3	3	[3] Final Application Missing [3] Missing Initial Application [2] Only Preliminary Title in File		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Affiliated Business Doc Missing [2] State - Missing Impound Authorization Disclosure [2] State - Missing Interim Interest Disclosure [2] Initial GFE Missing [2] Initial TIL Missing				Purchase	Owner Occ	20	100	40.86
76427154	3	3	[3] Missing Initial Application		2	[2] Initial TIL Missing [2] State - Missing Notice of Expiration of Loan Commitment [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Borrower's Choice of Attorney Disclosure				Cashout Refi	Owner Occ	81.25	81.25	42.79
76448768	3	2	[2] Negam by Note Design		3	[3] APR Tolerance UnderDisclosed 0.125 [3] Finance Charge underdisclosed >$100 for Purchase [2] HMDA-reportable rate spread (1/1/04-10/1/09)	APR under disclosed by .3338 which exceeds the .125 tolerance. Finance charges under disclosed by $43,371.03 which exceeds the $100 tolerance for purchase transactions. The Lender used a lower Index. The lowest Index available in our look-back is 5.28%.			Purchase	Owner Occ	90	90
76478858	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	20	100	49.801
76479878	3	3	[3] MI Missing [2] Combined Orig LTV >100%	Case Query results provided indicate UFMIP was paid, FHA loan, missing MIC.	2	[2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2] State - Missing Mortgage Loan Origination Dislcosure [2] State - Missing Anti-Discrimination Notice [2] State - Missing Attorney General Information Statement [2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2] State - Missing Statutory Authority Disclosure [2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2] State - Missing Closing Statement / Closing Disclosure [2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE				Rate/Term Refi	Owner Occ	100.7	100.7
76490231	3	3	[3] Final Application Missing [3] Credit Report Missing		3	[3] [GA] Home Loan Provision: Mandatory arbitration clause found on Note, no indication of whether acceptance of arbitration agreement is a condition to extend credit. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans. [2] State - Missing Waiver of Borrower's Rights [2] State - Missing Right to Select Attorney Disclosure [2] Initial TIL Missing	[GA] Home Loan Provision: Mandatory arbitration clause found on Note, no indication of whether acceptance of arbitration agreement is a condition to extend credit. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans.			Cashout Refi	Owner Occ	94.18	94.18
76572758	1	1			1					Purchase	Owner Occ
76572942	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] TIL Missing [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure [2] State - Missing Rate Lock [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)		NO		Cashout Refi	Investment Property	19.64	98.18
76581946	3	3	[3] Credit Report Missing [3] Missing T-42.1 Endorsement (TX Home Equity Loans)	Missing T-42.1 Endorsement. The T-42.1 endorsement is a supplemental coverage that provides protection/insurance of compliance with certain provisions applicable to TX50(a)(6) Home Equity loans. While there is no regulatory requirement, this endorsement is generally required by lenders and assignees of TX Home Equity loans (including FNMA).	3	[3] Violation of TX Equity Out 12 Day Cooling-Off Period [3] [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was not in file, unable to verify compliance of TX50a6 12 day cooling off period. [3] [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice of 3-day Right of Rescission signed and dated at time of closing not in file. [3] [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was not in file, unable to verify compliance of TX50a6 12 day cooling off period. [3] [TXH] Home Loan Provision:No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing. [3] ROR Missing [2] Credit Score Disclosure Not Present [2] State - Missing Notice of Penalties for Making False or Misleading Written Statement [2] Initial GFE Missing [2] Initial TIL Missing	[TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was not in file, unable to verify compliance of TX50a6 12 day cooling off period. [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was not in file, unable to verify compliance of TX50a6 12 day cooling off period. [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was not in file, unable to verify compliance of TX50a6 12 day cooling off period. [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice of 3-day Right of Rescission signed and dated at time of closing not in file. [TXH] Home Loan Provision:No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL. A 50a6 violation may lead to forfeiture of all principal and interest. A 50a6 violation may lead to forfeiture of all principal and interest. A 50a6 violation may lead to forfeiture of all principal and interest.	Cashout Refi	Owner Occ	74.96	74.96	44.815
76602504	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Impound Authorization Disclosure				Cashout Refi	Owner Occ	15	95	43.68
76606679	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] State - Missing Hazard Insurance Disclosure [2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2] State - Missing Mortgage Broker Agreement [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Finance Lender Information Disclosure [2] State - Missing Impound Authorization Disclosure [2] State - Missing Interim Interest Disclosure [2] Initial TIL Missing				Purchase	Owner Occ	95	95	49.75
76628891	3	3	[3] Final Application Missing [3] Missing Initial Application [2] Negam by Note Design		2	[2] State - Missing Domestic Partnership Affidavit [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	82.16	82.16
76629731	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Cover Page / Social Security Disclosure [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	15	90	43.64
76710232	3	2	[2] Combined Orig LTV >100%		3	[3] Finance Charge underdisclosed >$100 for Purchase [2] State - Missing Mortgage Consumer Disclosure [2] State - Missing Rate Lock [2] State - Missing Application Disclosure [2] State - Missing Freedom to Choose / Anti-Coercion Disclosure [2] Initial TIL Date not within 3 days of Initial Application Date	Finance charges under disclosed by $247.49 which exceeds the $100 tolerance for purchase transactions. TIL Itemization did not disclose the closing fee of $275 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Purchase	Owner Occ	96.69	111.27	41.2
76797557	3	3	[3] Credit Report Missing		2	[2] State - Missing Borrower's Bill of Rights [2] State - Missing Insurance Disclosure / Right to Choose Insurance Provider [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	95	95	28.72
76811958	3	1			3	[3] Finance Charge underdisclosed >$35 for Refinance [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial GFE Missing	Finance charges under disclosed by $84.04 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing completeTIL itemization.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Cashout Refi	Owner Occ	20	100	48.85
76884538	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	90	90	52.87
76952540	1	1			1					Cashout Refi	Owner Occ	10	90	23.664
76959381	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] TIL Missing [3] ROR Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing MD Finance Agreement [2] State - Missing Residential Property Disclosure / Homeowner's Certification of Principal Residence [2] State - Missing Home Buyers Property Tax Payment Option [2] State - Missing MD No Escrow Account Disclosure [2] State - Missing Right to Choose Attorney or Title Insurance Company [2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2] State - Missing Disclosure of Seller-Paid Fees [2] State - Missing First Time Home Buyer Affidavit [2] State - Missing Licensee Information or Affidavit of Exemption [2] State - Missing Net Tangible Benefit Worksheet [2] State - Missing Office of Finance, Treasury Division Finance Affidavit [2] State - Missing MD Notice of Housing Counseling and Services disclosure [2] Initial GFE Missing [2] Initial TIL Missing		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	100	100
77088553	3	3	[3] Final Application Missing		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial GFE Date not within 3 days of Initial Application Date				Purchase	Owner Occ	20	100	42.22
77145048	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Application Disclosure [2] Initial TIL Missing				Cashout Refi	Owner Occ	90	90	21.61
77179588	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	20	100	28.71
77181324	3	3	[3] Credit Report Missing [3] Missing Initial Application [2] Combined Orig LTV >100% [2] Original LTV > 125%		3	[3] [FEDSP] Covered Loan Provision: Missing documentation utilized to verify income, assets, and current obligations. [3] Federal Higher-Priced Mortgage Loan [2] Payment value(s) in TIL Rate/Payment Disclosure inaccurate [2] HMDA-reportable rate spread (10/1/09 and later) [2] Initial GFE Missing [2] Initial TIL Missing [2] State - Missing Anti-Coercion Notice [2] State - Missing Lock In Agreement	[FEDSP] Covered Loan Provision: Missing documentation utilized to verify income, assets, and current obligations. Federal Higher-Priced Mortgage Loan. Stated APR (4.25%) and Audited APR (4.2567%) exceed the HPML threshold (1.5% over applicable APOR, 2.72%) by 0.03% and 0.0367% respectively. Loan is a federal higher-priced mortgage loan and as such, must comply with applicable repayment ability, prepayment penalty, and escrow restrictions and requirements. Unable to determine repayment ability due to missing income/asset documentation. Final TIL reflects P&I Payment of $9209.24. Calculated P&I Payment is $9209.25. Variance of $.01 appears to be a rounding issue but since RegZ does not allow for tolerance, JCIII is reporting exception and will leave it at client's discretion to waive.			Rate/Term Refi	Owner Occ	163.77	163.77
77220998	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] ROR Missing [3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Credit Score Disclosure Not Present [2] State - Missing Anti-Coercion Notice [2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing Rate Lock Disclosure [2] State - Missing Oral Agreement Notice [2] Initial GFE Missing			ROR - 3yrs for rescindable transactions. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	12.5	100
77223599	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] TIL Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Appraisal Notice [2] Initial GFE Missing		NO		Purchase	Investment Property	89.1	100
77266341	3	3	[3] Application Incomplete [3] Initial Application Incomplete	Final 1003 incomplete due to missing page four. Initial 1003 incomplete due to missing page four.	2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date				Cashout Refi	Owner Occ	71.43	71.43	33.36
77282658	3	3	[3] Final Application Missing [3] Missing Initial Application		3	[3] APR Tolerance UnderDisclosed 0.125 [3] Finance Charge underdisclosed >$35 for Refinance [3] TIL Incomplete [2] Affiliated Business Doc Missing [2] Initial TIL Missing [2] Evidence of Single Premium Credit Insurance With Disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09)	APR under disclosed by 1.1687 which exceeds the .125 tolerance. Evidence of single credit life insurance with a monthly payment of $59.58 and annual premium of $714.96. Insurance is optional. Final TIL is executed by borrower at closing; however, reflects estimate Finance Charge and Total Payment figures. Finance charges under disclosed by $78,741.20 which exceeds the $35 tolerance for refinance transactions. Lender TIL reflects decreasing payments for a Pay Right Rewards Program that assumes each payment will be made on time; however, audited TIL makes no assumption of on-time payments.	TESTED	APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Cashout Refi	Owner Occ	92.86	92.86
77310624	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] Finance Charge underdisclosed >$100 for Purchase [2] State - Missing Notice to Purchaser-Mortgagor	Finance charges under disclosed by $16,775.54 which exceeds the $100 tolerance for purchase transactions. Appears a lower index was used than was available in the look-back period. Lowest index available is 3.17%.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Purchase	Owner Occ	95	95	49.56
77345483	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	90	90	43.69
77345944	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] State - Missing Pre-Application Dislcosure [2] State - Missing Lock In Agreement [2] Initial GFE Missing				HELOC	Owner Occ	5.98	19.52
77355242	3	1			3	[3] HUD-1 Estimated [2] Affiliated Business Doc Missing [2] State - Missing Guaranty Terms Agreement [2] State - Missing Right to Choose Insurance Provider [2] State - Missing Tangible Net Benefit Disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09)	Estimated HUD in file is executed by the borrower and certified by the settlement agent.	YES		Cashout Refi	Owner Occ	85	85	38.03
77369483	3	3	[3] Final Application Missing [3] Balloon Under 7 Years	Per note balloon term 6 years.	2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing MD Finance Agreement [2] State - Missing Application Disclosure [2] State - Missing Right to Choose Attorney or Title Insurance Company [2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2] State - Missing Disclosure of Seller-Paid Fees [2] State - Missing Licensee Information or Affidavit of Exemption				Purchase	Owner Occ	95.65	95.65
77383144	1	1			1					Cashout Refi	Investment Property	69.84	69.84	50.89
77603721	3	3	[3] Missing Initial Application		2	[2] Initial GFE Date not within 3 days of Initial Application Date [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure [2] Initial TIL Missing				Cashout Refi	Owner Occ	20	100	42.95
77698908	3	3	[3] Final Application Missing [3] Missing Initial Application [2] Negam by Note Design		2	[2] State - Missing Lock In Agreement				Rate/Term Refi	Owner Occ	80	80	44.03
77850210	3	3	[3] MI Missing [3] Missing Title Evidence [3] FHA Case Number Assignment Missing	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.	2	[2] Credit Score Disclosure Not Present [2] State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents				Cashout Refi	Owner Occ	85.87	85.87	19.99
77966877	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] State - Missing Anti-Discrimination Notice [2] State - Missing Attorney General Information Statement [2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2] State - Missing Statutory Authority Disclosure				Cashout Refi	Owner Occ	100	100	45.95
78005159	3	3	[3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present				Cashout Refi	Owner Occ	20.83	95.79	43.42
78018978	3	1			3	[3] Finance Charge underdisclosed >$100 for Purchase [2] Initial TIL Missing [2] Initial GFE Missing	Finance charges under disclosed by $100.02 which exceeds the $100 for purchase. TIL Itemization did not disclose settlement fees: Closing Fee $130.00, Courier fee $70.00 and Wire Transfer fee $20.00 as prepaid finance charges. There is a Seller credit on page one of HUD for $391.45 which is not itemized therefore excluded.			PURCHASE	Owner Occ	10	90
78067082	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] State - Missing Mortgage Consumer Disclosure [2] State - Missing Freedom to Choose / Anti-Coercion Disclosure [2] State - Missing or Incomplete Variable Rate Disclosure [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	85	85	55
78070781	3	3	[3] Final Application Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] State Grace Period Below Minimum [3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Credit Score Disclosure Not Present [2] State - Missing Choice of Insurance Disclsoure [2] Initial GFE Missing	Grace period of 10 days is below the minimum of 15 days per the state of Oregon.		TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	31.61	77.29	25.99
78112605	3	3	[3] Missing Initial Application		2	[2] State - Missing Affidavit of Borrower Under Residential Mortgage Act [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Rate/Term Refi	Owner Occ	100	100
78113122	2	1			2	[2] Affiliated Business Doc Missing				Cashout Refi	Owner Occ
78126008	3	1			3	[3] Finance Charge underdisclosed >$35 for Refinance [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Attorneys' Fees Disclosure [2] State - Missing Guarantee Of Loan Program [2] State - Missing Licensee Information or Affidavit of Exemption [2] State - Missing Net Tangible Benefit Worksheet [2] State - Missing Written Acknowledgement of Delivery of the Note [2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date	Finance charges under disclosed by $146.75 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Cashout Refi	Owner Occ	80	87.07	34.45
78140943	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Rate/Term Refi	Owner Occ	20	100
78151088	3	3	[3] Final Application Missing		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Initial TIL Missing				Purchase	Owner Occ	20	100	54.96
78208326	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	85	85	45.97
78240627	2	1			2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Credit Score Disclosure Not Present [2] State - Missing Commitment Letter [2] State - Missing Disclosure of Terms of Mortgage Application [2] State - Missing Virginia Insurance Disclosure [2] State - Missing Dual Capacity Disclosure [2] State - Missing signed Notice of Mortgage Broker Fee [2] State - Missing Appraisal Notice				Construction To Perm	Owner Occ	78.57	78.57	31.288
78311062	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Commitment Disclosure				Cashout Refi	Owner Occ	20	100	43.19
78339091	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] TIL Missing [3] ROR Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Commitment Letter [2] State - Missing Rate Lock [2] State - Missing Application Disclosure [2] State - Missing Freedom to Choose / Anti-Coercion Disclosure [2] Initial GFE Missing [2] Initial TIL Missing		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	99.61	99.61
78352169	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] ROR Missing [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	79.65	79.65	45.81
78367472	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	100	100	26.537
78402300	1	1			1					Cashout Refi	Owner Occ
78426753	3	3	[3] MI Missing [3] Limited Denial of Participation (LDP) Missing; FHA File [3] GSA exclusions search results missing; FHA File [2] Zoning Compliance "Legal" Not Checked	Case Query results provided do not indicate UFMIP was paid, FHA loan, missing MIC. Imaged file does not contain GSA search results for all parties. Fraud Guard provided clearance for the borrower but file is still missing evidence that GSA searches were performed for all parties to the transaction. Per 4155.1 4.A.2.c - A mortgage loan application is not eligible for FHA mortgage insurance if the name of any of the following parties to the mortgage transaction is found on HUD's LDP list or the GSA list: Borrower(s), Seller(s), Listing or selling real estate agent, or Loan Officer. Imaged file does not contain LDP search results for all parties. Fraud Guard provided clearance for the borrower but file is still missing evidence that LDP searches were performed for all parties to the transaction. Per 4155.1 4.A.2.c - A mortgage loan application is not eligible for FHA mortgage insurance if the name of any of the following parties to the mortgage transaction is found on HUD's LDP list or the GSA list: Borrower(s), Seller(s), Listing or selling real estate agent, or Loan Officer. Per appraisal, property is located in an area with no zoning.	2	[2] State - Missing Mortgage Banker Disclosure [2] State - Missing Loan Agreement Rider [2] GFE1 Written list of service providers not given to borrower [2] RegX Violation: Borrower was not provided with a current list of local homeownership counseling organizations within 3 days of application [1] HUD QM APR Test - APR below HUD QM APR Threshold: Safe Harbor [1] QM Loan - HUD QM Rule (Conditional) [1] TILA Designation: Safe Harbor QM - HUD QM Rule (Conditional - Proof of Insurance required)	Homeownership Counseling Organizations form in file is not dated; therefore we are not able to determine if it was provided to borrower within 3 days of the application.			Purchase	Owner Occ	96.5	96.5	45.0968
78429863	3	3	[3] Appraisal Missing [3] Missing Initial Application		2	[2] Affiliated Business Doc Missing [2] State - Missing Mortgage Consumer Disclosure [2] State - Missing Commitment Letter [2] State - Missing Rate Lock [2] State - Missing Application Disclosure [2] State - Missing Freedom to Choose / Anti-Coercion Disclosure				Cashout Refi	Owner Occ	40	60	62
78464412	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present				HELOC	Owner Occ	20	100	50.61
78492228	3	3	[3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] Initial TIL Missing				Purchase	Owner Occ	20	100	42.73
78512610	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] State - Missing Anti-Coercion Notice [2] State - Missing Pre-Application Dislcosure [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	100	100
78547638	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] State - Missing Prepayment Penalty Disclosure [2] State - Missing Non Agency Disclosure				Cashout Refi	Owner Occ	85	85	39.05
78567417	3	3	[3] Final Application Missing [3] Missing Initial Application		3	[3] TIL Missing [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Pre-Application Dislcosure [2] Initial GFE Missing [2] Initial TIL Missing		YES		Cashout Refi	Owner Occ	50	50	32
78575104	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Pre-Application Dislcosure [2] Initial TIL Missing				Cashout Refi	Owner Occ	80	80	45
78693301	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Investment Property	10	90
78797310	2	1			2	[2] Affiliated Business Doc Missing				Purchase	Owner Occ	80	100	43.95
78803268	3	3	[3] Final Application Missing [3] Missing Initial Application [2] Negam by Note Design		3	[3] TIL Incomplete [2] Initial GFE Missing	Final TIL was signed by the borrower at closing, however, reflects estimated APR, finance charges, amount financed and total payment figures.	TESTED		Purchase	Owner Occ	77.78	77.78	27
78861473	3	3	[3] Application Incomplete	Final application incomplete due to missing borrower's signature.	2	[2] Credit Score Disclosure Not Present [2] State - Missing Application Disclosure [2] State - Missing Notice of Expiration of Loan Commitment [2] State - Missing Prevailing Commitment Disclosure [2] State - Missing Tax Escrow Account Designation [2] State - Missing Lock-In Agreement [2] State - Missing Appraisal and Consumer Report Notice [2] State - Missing Borrower's Choice of Attorney Disclosure				Cashout Refi	Owner Occ	79.79	79.79	52.98
78895179	1	1			1					Rate/Term Refi	Owner Occ	57.94	57.94	27.25
79040534	2	2	[2] Negam by Note Design		2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] Affiliated Business Doc Missing				Cashout Refi	Second Home	75	75	43
79099516	1	1			1					Purchase	Owner Occ	100	100	42.74
79104656	2	1			2	[2] Initial TIL Missing [2] Initial GFE Date not within 3 days of Initial Application Date				Purchase	Owner Occ
79116654	2	1			2	[2] Initial TIL Missing				Cashout Refi	Owner Occ
79211949	3	3	[3] Credit Report Missing [3] Missing Initial Application		3	[3] Finance Charge underdisclosed >$35 for Refinance [2] Affiliated Business Doc Missing	Finance charges under disclosed by $16258.98 which exceeds the $35 tolerance for refinance transactions. It appears a lower Index was used at origination than the 3.04% Index available within the look-back period.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Rate/Term Refi	Owner Occ	71.04	71.04	38.8
79214448	3	3	[3] Final Application Missing [3] Missing Initial Application [2] Only Preliminary Title in File		3	[3] HUD-1 Incomplete [2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2] State - Missing Consumer Credit Score Disclosure [2] State - Missing Fair Lending Notice [2] State - Missing Hazard Insurance Disclosure [2] State - Missing Mortgage Loan Disclosure Statement (DRE) [2] State - Missing DRE Advance Fee Agreement [2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2] State - Missing Mortgage Broker Agreement [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Finance Lender Information Disclosure [2] State - Missing Interim Interest Disclosure [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)	Hud is incomplete due to line 1002 $82.10 is incorrectly designated as 2 months MIP premium. Should have been entered in line 1001 as Hazard Insurance reserves.	TESTED		Cashout Refi	Owner Occ	90	90	42.57
79228492	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Right to Select Attorney Disclosure		YES		Purchase	Owner Occ	20	100
79231851	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing		2	[2] Credit Score Disclosure Not Present [2] State - Missing Fair Lending Notice [2] Initial GFE Missing				HELOC	Owner Occ	32.52	70.41
79255201	3	3	[3] Final Application Missing [3] Credit Report Incomplete	Credit report dated 10/19/2006 incomplete due to only returning TransUnion bureau	2	[2] Affiliated Business Doc Missing [2] State - Missing Borrower Information Document [2] State - Missing Rate and Points Lock/Float Agreement [2] State - Missing Description of Underwriting Criteria and Required Documentation [2] State - Missing Collateral Protection Act Disclosure [2] State - Missing Notice of Choice of Agent or Insurer [2] Initial TIL Missing				Cashout Refi	Owner Occ	88.98	93.56	48
79279097	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] Initial GFE Date not within 3 days of Initial Application Date [2] Affiliated Business Doc Missing [2] State - Missing Borrower Information Document				HELOC	Owner Occ	25	100
79308271	2	1			2	[2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure [2] Initial GFE Missing [2] Initial TIL Missing				Rate/Term Refi	Owner Occ	83.15	83.15	48.44
79351656	2	1			2	[2] Affiliated Business Doc Missing				Purchase	Owner Occ
79412377	3	3	[3] Credit Report Missing [3] Application Incomplete [3] P&I stated and calculated exceeds tolerance 0.05 [3] Initial Application Incomplete	Final application incomplete due to missing origination entity information. Initial application incomplete due to missing origination entity information. P&I (3561) exceeds standard variance (0.05) with calculated P&I (3560.93) Current Variance 0.07.	2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Broker Compensation Disclosure [2] State - Missing Interest Rate Disclsoure [2] State - Missing Insurance Disclsoure [2] State - Missing Notice of Expiration of Loan Commitment [2] State - Missing Lock-In Agreement [2] State - Missing Appraisal and Consumer Report Notice [2] State - Missing Borrower's Choice of Attorney Disclosure [2] Initial GFE Missing				Rate/Term Refi	Owner Occ	90	90	39.22
79430946	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	80	80
79442301	2	1			2	[2] Affiliated Business Doc Missing				Cashout Refi	Owner Occ
79449130	3	3	[3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure [2] State - Missing Rate Lock [2] Initial GFE Missing				HELOC	Owner Occ	21.58	100	27.056
79464430	3	3	[3] Missing Initial Application		3	[3] ROR Missing [2] Affiliated Business Doc Missing [2] State - Missing Broker Agreement [2] State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2] State - Missing Escrow Account Disclosure Agreement [2] State - Missing Loan Brokerage Disclosure Statement [2] Initial GFE Missing			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	HELOC	Owner Occ	7.98	87.91
79473931	2	1			2	[2] Initial TIL Date not within 3 days of Initial Application Date [2] Initial GFE Date not within 3 days of Initial Application Date [2] State - Missing Notice of Expiration of Loan Commitment [2] State - Missing Prevailing Commitment Disclosure [2] State - Missing Tax Escrow Account Designation [2] State - Missing Lock-In Agreement [2] State - Missing Appraisal and Consumer Report Notice [2] State - Missing Borrower's Choice of Attorney Disclosure				Purchase	Owner Occ	90	90	35.07
79498890	3	3	[3] Credit Report Missing [3] Missing Initial Application		2	[2] Initial GFE Missing [2] Initial TIL Missing				Rate/Term Refi	Owner Occ	80	80	42.4
79502823	3	3	[3] Final Application Missing [3] Missing Initial Application		3	[3] Finance Charge underdisclosed >$35 for Refinance [2] State - Missing Anti-Coercion Notice [2] State - Missing Choice of Attorney disclosure [2] State - Missing Amortization Information Disclosure	Finance charges under disclosed by $2,209.48 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Cashout Refi	Owner Occ	72.83	72.83	47.07
79510858	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate				Rate/Term Refi	Owner Occ	80	89.99	38.646
79570121	3	3	[3] Missing Title Evidence [3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	35.06	99.78	36.15
79593061	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2] State - Missing Mortgage Loan Origination Dislcosure [2] State - Missing Anti-Discrimination Notice [2] State - Missing Attorney General Information Statement [2] Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2] State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2] State - Missing Statutory Authority Disclosure [2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2] State - Missing Closing Statement / Closing Disclosure [2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2] Initial GFE Missing [2] Initial TIL Missing				Cashout Refi	Owner Occ	80	80	48.497
79636865	3	3	[3] Missing Initial Application		3	[3] Finance Charge underdisclosed >$35 for Refinance [2] Affiliated Business Doc Missing [2] State - Missing Rate and Points Lock/Float Agreement [2] State - Missing Description of Underwriting Criteria and Required Documentation [2] State - Missing Commitment Letter [2] Initial TIL Missing	Finance charges under disclosed by $50 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Cashout Refi	Owner Occ	85	85	43
79677959	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] Initial GFE Missing				Purchase	Owner Occ	80	84.62
79683808	3	1			3	[3] Finance Charge underdisclosed >$100 for Purchase [2] State - Missing Notice of Consumers Right to Obtain a Security Freeze	Finance charges under disclosed by $1617.54 which exceeds the $100 tolerance for purchase transactions. The under disclosure appears to stem from the second renewal mortgage insurance premium calculated at .169% compared to audit's calculated renewal rate of .55%.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Purchase	Owner Occ	97	97	55.31
79742708	3	3	[3] Final Application Missing [3] Missing Initial Application [2] Only Preliminary Title in File		2	[2] State - Missing Impound Authorization Disclosure				Purchase	Owner Occ	20	100	42.555
79747720	3	3	[3] Final Application Missing [3] Missing Title Evidence		2	[2] State - Missing Cover Page / Social Security Disclosure [2] Initial GFE Missing				HELOC	Owner Occ	10.36	77.29	38
79754048	2	1			2	[2] Initial TIL Missing [2] Initial GFE Date not within 3 days of Initial Application Date				Cashout Refi	Owner Occ
79798128	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Second Home	25	100
79821091	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Affiliated Business Doc Missing [2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2] State - Missing Interim Interest Disclosure				Cashout Refi	Owner Occ	80	100	27
79824191	3	3	[3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] Initial TIL Missing				Rate/Term Refi	Owner Occ	13.27	89.76	50
79859241	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Affiliated Business Doc Missing				Purchase	Owner Occ	95	95
79903924	3	3	[3] Missing Initial Application		2	[2] Credit Score Disclosure Not Present [2] Initial GFE Missing				HELOC	Owner Occ	20	100	40.6
79924085	3	1			3	[3] Violation of TX Equity Out 12 Day Cooling-Off Period [3] [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was missing page 2 of 2, unable to verify compliance of TX50a6 12 day cooling off period. [3] [TXH] Home Loan Provision: No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing [2] State - Missing Notice of Penalties for Making False or Misleading Written Statement [2] State - Missing Complaints and Inquiries Notice [2] Initial GFE Missing [2] Initial TIL Missing [2] State - Missing Collateral Protection Insurance Notice [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing	[TXH] Home Loan Provision: No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was missing page 2 of 2, unable to verify compliance of TX50a6 12 day cooling off period. [TXH] Home Loan Provision: TX 50(a)(6) DISCLOSURE: Notice Concerning Equity Loan Extensions of Credit / Home Equity Disclosure was missing page 2 of 2, unable to verify compliance of TX50a6 12 day cooling off period.		A 50a6 violation may lead to forfeiture of all principal and interest. A 50a6 violation may lead to forfeiture of all principal and interest. A 50a6 violation may lead to forfeiture of all principal and interest.	Cashout Refi	Owner Occ	71.3	71.3	46.6
79938439	3	1			3	[3] ROR Missing [2] State - Missing Mortgage Consumer Disclosure [2] State - Missing Commitment Letter [2] State - Missing Rate Lock			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	19.89	99.43
79973467	2	1			2	[2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] State - Missing Attorney Disclosure [2] State - Missing Insurance Disclosure [2] State - Missing Application Disclosure [2] State - Missing Domestic Partnership Affidavit [2] State - Missing Lock In Agreement [2] State - Missing Commitment Letter [2] Initial GFE Missing				HELOC	Owner Occ	20	100	39.99
79997370	3	3	[3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Credit Score Disclosure Not Present [2] Affiliated Business Doc Missing [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	19.85	97.75	33.14