AMC Unique LOAN ID	Rating	Type	Exception	Credit Comments	Compliance Comments	Eligible For Predatory Testing - Unable to Test	Compliance Comp Factors
76257536	Non Critical	Compliance	[2] State - Missing Affidavit of Affixation (of manufactured home)
76257536	Non Critical	Compliance	[2] State - Missing Application Disclosure
76257536	Non Critical	Compliance	[2] State - Missing Documentation of Fees paid to Third Parties
76257536	Non Critical	Compliance	[2] State - Missing Licensee Name Number and NMLS Unique Identifier on the application
76257536	Non Critical	Compliance	[2] State - Missing Rate Lock
76257536	Non Critical	Compliance	[2] State - Missing Right to Choose Insurance Provider
76257536	Non Critical	Compliance	[2] State - Missing Separate and distinct Prepayment Penalty Disclosure on the Note
76257536	Non Critical	Compliance	[2] State - Missing Title Insurance Notice
77181324	Critical	Compliance	[3] Covered Loan Provision Exception		[FEDSP] Covered Loan Provision: Missing documentation utilized to verify income, assets, and current obligations.
77181324	Critical	Compliance	[3] Federal Higher-Priced Mortgage Loan		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.
77181324	Critical	Credit	[3] Credit Report Missing
77181324	Critical	Credit	[3] Missing Initial Application
77181324	Non Critical	Compliance	[2] HMDA-reportable rate spread (10/1/09 and later)
77181324	Non Critical	Compliance	[2] Initial GFE Missing
77181324	Non Critical	Compliance	[2] Initial TIL Missing
77181324	Non Critical	Compliance	[2] Payment value(s) in TIL Rate/Payment Disclosure inaccurate		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.
77181324	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
77181324	Non Critical	Compliance	[2] State - Missing Lock In Agreement
77181324	Non Critical	Credit	[2] Combined Orig LTV >100%
77181324	Non Critical	Credit	[2] Original LTV > 125%
78797310	Non Critical	Compliance	[2] Affiliated Business Doc Missing
75052801	Critical	Credit	[3] Missing Initial Application
75052801	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75819756	Critical	Compliance	[3] TIL Incomplete		Final TIL incomplete due to being signed on closing date however marked preliminary.	YES
75819756	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75819756	Non Critical	Compliance	[2] Initial GFE Missing
75819756	Non Critical	Credit	[2] Negam by Note Design
79798128	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76448768	Critical	Compliance	[3] APR Tolerance UnderDisclosed 0.125		APR under disclosed by .3338 which exceeds the .125 tolerance.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
76448768	Critical	Compliance	[3] Finance Charge underdisclosed >$100 for Purchase		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%.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
76448768	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76448768	Non Critical	Credit	[2] Negam by Note Design
75840947	Non Critical	Credit	[2] Combined Orig LTV >100%
76884538	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
70039371	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77266341	Critical	Credit	[3] Application Incomplete	Final 1003 incomplete due to missing page four.
77266341	Critical	Credit	[3] Initial Application Incomplete	Initial 1003 incomplete due to missing page four.
77266341	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
77266341	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
76427154	Critical	Credit	[3] Missing Initial Application
76427154	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76427154	Non Critical	Compliance	[2] Initial TIL Missing
76427154	Non Critical	Compliance	[2] State - Missing Borrower's Choice of Attorney Disclosure
76427154	Non Critical	Compliance	[2] State - Missing Notice of Expiration of Loan Commitment
73636149	Critical	Credit	[3] Credit Report Missing
73636149	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73636149	Non Critical	Compliance	[2] State - Missing Attorney Disclosure
73636149	Non Critical	Compliance	[2] State - Missing Initial Tax Authorization Notice
73636149	Non Critical	Compliance	[2] State - Missing Insurance Disclosure
73636149	Non Critical	Compliance	[2] State - Missing Mortgage Broker Agreement
73913359	Critical	Credit	[3] Initial Application Unsigned
73913359	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75064192	Critical	Credit	[3] Appraisal Missing
72301638	Critical	Credit	[3] MI Missing	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.
72301638	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
72301638	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
72301638	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
72301638	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
72301638	Non Critical	Compliance	[2] State - Missing NMLS Unique Identifier # and WA CLA mortgage loan originator's license number on the application
72301638	Non Critical	Compliance	[2] State - Missing Notice of Right to Cancel Private Mortgage Insurance
72301638	Non Critical	Compliance	[2] State - Missing Oral Agreement Notice
75202212	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75202212	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
75202212	Non Critical	Credit	[2] Negam by Note Design
70978945	Critical	Compliance	[3] TIL Missing			NO
70978945	Critical	Credit	[3] MI Missing
70978945	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
70978945	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
70978945	Non Critical	Compliance	[2] State - Missing Notice to Purchaser-Mortgagor
77698908	Critical	Credit	[3] Final Application Missing
77698908	Critical	Credit	[3] Missing Initial Application
77698908	Non Critical	Compliance	[2] State - Missing Lock In Agreement
77698908	Non Critical	Credit	[2] Negam by Note Design
76628891	Critical	Credit	[3] Final Application Missing
76628891	Critical	Credit	[3] Missing Initial Application
76628891	Non Critical	Compliance	[2] Initial GFE Missing
76628891	Non Critical	Compliance	[2] Initial TIL Missing
76628891	Non Critical	Compliance	[2] State - Missing Domestic Partnership Affidavit
76628891	Non Critical	Credit	[2] Negam by Note Design
78567417	Critical	Compliance	[3] TIL Missing			YES
78567417	Critical	Credit	[3] Final Application Missing
78567417	Critical	Credit	[3] Missing Initial Application
78567417	Non Critical	Compliance	[2] Affiliated Business Doc Missing
78567417	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78567417	Non Critical	Compliance	[2] Initial GFE Missing
78567417	Non Critical	Compliance	[2] Initial TIL Missing
78567417	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
79040534	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79040534	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
79040534	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
79040534	Non Critical	Credit	[2] Negam by Note Design
74815797	Critical	Compliance	[3] APR Tolerance UnderDisclosed 0.125		APR under disclosed by .3120 which exceeds the .125 tolerance.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
74815797	Critical	Compliance	[3] Finance Charge underdisclosed >$100 for Purchase		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.
71509436	Critical	Credit	[3] Credit Report Missing
71509436	Critical	Credit	[3] Final Application Missing
71509436	Critical	Credit	[3] Missing Initial Application
71509436	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
70631630	Critical	Credit	[3] Credit Report Missing
70631630	Critical	Credit	[3] Final Application Missing
70631630	Non Critical	Compliance	[2] State - Missing Amortization Information Disclosure
70631630	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
70631630	Non Critical	Compliance	[2] State - Missing Choice of Attorney disclosure
70321087	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79211949	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.
79211949	Critical	Credit	[3] Credit Report Missing
79211949	Critical	Credit	[3] Missing Initial Application
79211949	Non Critical	Compliance	[2] Affiliated Business Doc Missing
77310624	Critical	Compliance	[3] Finance Charge underdisclosed >$100 for Purchase		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.
77310624	Critical	Credit	[3] Credit Report Missing
77310624	Critical	Credit	[3] Final Application Missing
77310624	Critical	Credit	[3] Missing Initial Application
77310624	Non Critical	Compliance	[2] State - Missing Notice to Purchaser-Mortgagor
79683808	Critical	Compliance	[3] Finance Charge underdisclosed >$100 for Purchase		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.
79683808	Non Critical	Compliance	[2] State - Missing Notice of Consumers Right to Obtain a Security Freeze
79498890	Critical	Credit	[3] Credit Report Missing
79498890	Critical	Credit	[3] Missing Initial Application
79498890	Non Critical	Compliance	[2] Initial GFE Missing
79498890	Non Critical	Compliance	[2] Initial TIL Missing
77223599	Critical	Compliance	[3] HUD-1 Missing			NO
77223599	Critical	Compliance	[3] TIL Missing			NO
77223599	Critical	Credit	[3] Appraisal Missing
77223599	Critical	Credit	[3] Credit Report Missing
77223599	Critical	Credit	[3] Final Application Missing
77223599	Critical	Credit	[3] Missing Initial Application
77223599	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
77223599	Non Critical	Compliance	[2] Initial GFE Missing
77223599	Non Critical	Compliance	[2] State - Missing Appraisal Notice
74088622	Critical	Credit	[3] Credit Report Missing
74088622	Critical	Credit	[3] Final Application Missing
74088622	Critical	Credit	[3] Missing Initial Application
74088622	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
74088622	Non Critical	Compliance	[2] State - Missing Interest Rate Lock/Float Information
74088622	Non Critical	Compliance	[2] State - Missing Lock In Agreement
72530616	Critical	Credit	[3] Credit Report Missing
72530616	Critical	Credit	[3] Final Application Missing
72530616	Critical	Credit	[3] Missing Initial Application
72530616	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
72530616	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73280578	Critical	Credit	[3] Credit Report Missing
73280578	Critical	Credit	[3] Final Application Missing
73280578	Critical	Credit	[3] Missing Initial Application
73280578	Non Critical	Compliance	[2] Initial GFE Missing
73280578	Non Critical	Compliance	[2] Initial TIL Missing
73280578	Non Critical	Compliance	[2] State - Missing Application Disclosure Statement
73280578	Non Critical	Compliance	[2] State - Missing Collateral Protection Act Disclosure
73280578	Non Critical	Compliance	[2] State - Missing Description of Underwriting Criteria and Required Documentation
73280578	Non Critical	Compliance	[2] State - Missing Rate and Points Lock/Float Agreement
71901267	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71901267	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
71901267	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
79430946	Critical	Credit	[3] Credit Report Missing
79430946	Critical	Credit	[3] Final Application Missing
79430946	Critical	Credit	[3] Missing Initial Application
79430946	Non Critical	Compliance	[2] Initial GFE Missing
79430946	Non Critical	Compliance	[2] Initial TIL Missing
73234240	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73234240	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
73234240	Non Critical	Compliance	[2] Initial TIL Missing
73234240	Non Critical	Compliance	[2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
73553226	Critical	Credit	[3] Application Incomplete	Incomplete Final Application due to missing origination entity information.
73553226	Critical	Credit	[3] Credit Report Missing
73553226	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73553226	Non Critical	Compliance	[2] Initial TIL Missing
73553226	Non Critical	Compliance	[2] State - Missing Application Disclosure
73553226	Non Critical	Compliance	[2] State - Missing Commitment Letter
73553226	Non Critical	Compliance	[2] State - Missing Consumer Disclosure Statement
70010375	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
70010375	Non Critical	Compliance	[2] Initial TIL Missing
70010375	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
70010375	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
79308271	Non Critical	Compliance	[2] Initial GFE Missing
79308271	Non Critical	Compliance	[2] Initial TIL Missing
79308271	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
79308271	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
75448719	Critical	Compliance	[3] Federal Higher-Priced Mortgage Loan		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.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
75448719	Critical	Compliance	[3] Missing Certificate of Compliance/Exemption from IL Predatory Lending Database Program		Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program is not in file
75448719	Critical	Credit	[3] Appraisal Missing
75448719	Non Critical	Compliance	[2] Affiliated Business Doc Missing
75448719	Non Critical	Compliance	[2] HMDA-reportable rate spread (10/1/09 and later)
75448719	Non Critical	Compliance	[2] Loan is subject to IL Predatory Lending Database Program		Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program is not in file.
75448719	Non Critical	Compliance	[2] State - Missing Commitment Letter
75448719	Non Critical	Compliance	[2] State - Missing Description of Underwriting Criteria and Required Documentation
79255201	Critical	Credit	[3] Credit Report Incomplete	Credit report dated 10/19/2006 incomplete due to only returning TransUnion bureau
79255201	Critical	Credit	[3] Final Application Missing
79255201	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79255201	Non Critical	Compliance	[2] Initial TIL Missing
79255201	Non Critical	Compliance	[2] State - Missing Borrower Information Document
79255201	Non Critical	Compliance	[2] State - Missing Collateral Protection Act Disclosure
79255201	Non Critical	Compliance	[2] State - Missing Description of Underwriting Criteria and Required Documentation
79255201	Non Critical	Compliance	[2] State - Missing Notice of Choice of Agent or Insurer
79255201	Non Critical	Compliance	[2] State - Missing Rate and Points Lock/Float Agreement
79636865	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.
79636865	Critical	Credit	[3] Missing Initial Application
79636865	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79636865	Non Critical	Compliance	[2] Initial TIL Missing
79636865	Non Critical	Compliance	[2] State - Missing Commitment Letter
79636865	Non Critical	Compliance	[2] State - Missing Description of Underwriting Criteria and Required Documentation
79636865	Non Critical	Compliance	[2] State - Missing Rate and Points Lock/Float Agreement
73924619	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is within the SOL.
73924619	Critical	Compliance	[3] HUD-1 Incomplete		Final HUD not signed by the borrower or stamped by settlement agent.	YES
73924619	Critical	Credit	[3] Application Incomplete	Final Application incomplete due to bottom sections of all pages are cut off.
73924619	Critical	Credit	[3] Appraisal Incomplete	Appraisal incomplete due to bottom sections of all pages are cut off.
73924619	Critical	Credit	[3] Missing Initial Application
73924619	Non Critical	Credit	[2] Combined Orig LTV >100%
73924619	Non Critical	Credit	[2] Original LTV > 125%
70557460	Critical	Credit	[3] Missing Initial Application
70557460	Critical	Credit	[3] Missing Title Evidence
70557460	Non Critical	Compliance	[2] Initial GFE Incomplete		Incomplete initial GFE due to missing date.
70557460	Non Critical	Compliance	[2] Initial TIL Missing
70557460	Non Critical	Compliance	[2] State - Missing Non Agency Disclosure
70557460	Non Critical	Compliance	[2] State - Missing Notice of Right to Discontinue Escrow
70557460	Non Critical	Compliance	[2] State - Missing Right to Choose Insurance Provider
78208326	Critical	Credit	[3] Missing Initial Application
78208326	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
72812501	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
72812501	Critical	Compliance	[3] TIL Missing			YES
72812501	Critical	Credit	[3] Appraisal Missing
72812501	Critical	Credit	[3] Credit Report Missing
72812501	Critical	Credit	[3] Final Application Missing
72812501	Critical	Credit	[3] Missing Initial Application
72812501	Non Critical	Compliance	[2] Affiliated Business Doc Missing
72812501	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
72812501	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
72812501	Non Critical	Compliance	[2] Initial GFE Missing
72812501	Non Critical	Compliance	[2] Initial TIL Missing
72812501	Non Critical	Compliance	[2] State - Missing Amortization Information Disclosure
72812501	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
72812501	Non Critical	Compliance	[2] State - Missing Choice of Attorney disclosure
72812501	Non Critical	Compliance	[2] State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
70420603	Critical	Credit	[3] Final Application Missing
70420603	Critical	Credit	[3] Missing Initial Application
70420603	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
70420603	Non Critical	Compliance	[2] Initial GFE Missing
70420603	Non Critical	Compliance	[2] Initial TIL Missing
70420603	Non Critical	Compliance	[2] State - Mising Illinois Mortgage Escrow Act Disclosure
70420603	Non Critical	Compliance	[2] State - Missing Escrow Account Disclosure Agreement
70504456	Critical	Credit	[3] Final Application Missing
70504456	Critical	Credit	[3] Missing Initial Application
70504456	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
79821091	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79821091	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
79821091	Non Critical	Compliance	[2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
79821091	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
71507667	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.
71507667	Non Critical	Compliance	[2] Affiliated Business Doc Missing
71507667	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
71507667	Non Critical	Compliance	[2] State - Missing Choice of Attorney disclosure
71507667	Non Critical	Credit	[2] Manufactured (Double-Wide)
71204781	Critical	Credit	[3] Final Application Missing
71204781	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71204781	Non Critical	Compliance	[2] Initial TIL Missing
71204781	Non Critical	Compliance	[2] State - Missing Notice to Purchaser-Mortgagor
71204781	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
79859241	Critical	Credit	[3] Final Application Missing
79859241	Critical	Credit	[3] Missing Initial Application
79859241	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79859241	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76008185	Critical	Credit	[3] Final Application Missing
76008185	Critical	Credit	[3] Missing Initial Application
76008185	Non Critical	Compliance	[2] Affiliated Business Doc Missing
76008185	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76008185	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
76008185	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
71964855	Critical	Credit	[3] Credit Report Missing
71964855	Critical	Credit	[3] Missing Initial Application
71224633	Critical	Credit	[3] Final Application Missing
71224633	Critical	Credit	[3] Missing Initial Application
71224633	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71224633	Non Critical	Compliance	[2] Initial TIL Missing
71224633	Non Critical	Compliance	[2] State - Missing Disclosure of Facts Material to the Borrower's Decision, Rights or Interests
71224633	Non Critical	Compliance	[2] State - Missing Disclosure of Loans that Borrower Qualifies For
71224633	Non Critical	Compliance	[2] State - Missing Mortgage Loan Summary
71224633	Non Critical	Compliance	[2] State - Missing Rate Lock Disclosure
79510858	Critical	Credit	[3] Final Application Missing
79510858	Critical	Credit	[3] Missing Initial Application
79510858	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
78126008	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.
78126008	Non Critical	Compliance	[2] Affiliated Business Doc Missing
78126008	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78126008	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
78126008	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
78126008	Non Critical	Compliance	[2] State - Missing Attorneys' Fees Disclosure
78126008	Non Critical	Compliance	[2] State - Missing Guarantee Of Loan Program
78126008	Non Critical	Compliance	[2] State - Missing Licensee Information or Affidavit of Exemption
78126008	Non Critical	Compliance	[2] State - Missing Net Tangible Benefit Worksheet
78126008	Non Critical	Compliance	[2] State - Missing Written Acknowledgement of Delivery of the Note
76490231	Critical	Compliance	[3] Home Loan Provision Exception		[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.
76490231	Critical	Credit	[3] Credit Report Missing
76490231	Critical	Credit	[3] Final Application Missing
76490231	Non Critical	Compliance	[2] Initial TIL Missing
76490231	Non Critical	Compliance	[2] State - Missing Right to Select Attorney Disclosure
76490231	Non Critical	Compliance	[2] State - Missing Waiver of Borrower's Rights
73987087	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73987087	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
73987087	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
73987087	Non Critical	Compliance	[2] State - Missing Choice of Settlement Agent Disclosure
73987087	Non Critical	Compliance	[2] State - Missing Commitment Letter
73987087	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
73987087	Non Critical	Compliance	[2] State - Missing Lock In Disclosure
73987087	Non Critical	Compliance	[2] State - Missing Virginia Insurance Disclosure
72774171	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.
72774171	Critical	Credit	[3] Missing Initial Application
72774171	Non Critical	Compliance	[2] Affiliated Business Doc Missing
72774171	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
72774171	Non Critical	Compliance	[2] Initial GFE Missing
72774171	Non Critical	Compliance	[2] Initial TIL Missing
72774171	Non Critical	Compliance	[2] State - Missing Commitment Letter
72774171	Non Critical	Compliance	[2] State - Missing Rate Lock
70460357	Critical	Credit	[3] Appraisal Incomplete	Appraisal incomplete due to missing page 1 and page 2 of the URAR form.
70460357	Critical	Credit	[3] Final Application Missing
70460357	Critical	Credit	[3] Missing Initial Application
70460357	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
70460357	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
70460357	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
78429863	Critical	Credit	[3] Appraisal Missing
78429863	Critical	Credit	[3] Missing Initial Application
78429863	Non Critical	Compliance	[2] Affiliated Business Doc Missing
78429863	Non Critical	Compliance	[2] State - Missing Application Disclosure
78429863	Non Critical	Compliance	[2] State - Missing Commitment Letter
78429863	Non Critical	Compliance	[2] State - Missing Freedom to Choose / Anti-Coercion Disclosure
78429863	Non Critical	Compliance	[2] State - Missing Mortgage Consumer Disclosure
78429863	Non Critical	Compliance	[2] State - Missing Rate Lock
73328262	Critical	Compliance	[3] HUD-1 Missing			YES
73328262	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
73328262	Critical	Compliance	[3] TIL Missing			YES
73328262	Critical	Credit	[3] Appraisal Missing
73328262	Critical	Credit	[3] Credit Report Missing
73328262	Critical	Credit	[3] Final Application Missing
73328262	Critical	Credit	[3] Missing Initial Application
73328262	Critical	Credit	[3] Missing Title Evidence
73328262	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
73328262	Non Critical	Compliance	[2] Initial GFE Missing
73328262	Non Critical	Compliance	[2] Initial TIL Missing
73328262	Non Critical	Compliance	[2] State - Missing Notice to Mortgage Applicants / Legal Representation Notice
73258869	Critical	Credit	[3] Credit Report Missing
73258869	Critical	Credit	[3] Final Application Missing
73258869	Critical	Credit	[3] Missing Initial Application
73258869	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71498137	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
71498137	Critical	Credit	[3] Appraisal Missing
71498137	Critical	Credit	[3] Final Application Missing
71498137	Critical	Credit	[3] Missing Initial Application
71498137	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71498137	Non Critical	Compliance	[2] State - Missing Rate and Points Lock/Float Agreement
74063595	Critical	Compliance	[3] HUD-1 Missing			YES
74063595	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
74063595	Critical	Compliance	[3] TIL Missing			YES
74063595	Critical	Credit	[3] Credit Report Missing
74063595	Critical	Credit	[3] Final Application Missing
74063595	Critical	Credit	[3] Missing Initial Application
74063595	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
74063595	Non Critical	Compliance	[2] Initial GFE Missing
74063595	Non Critical	Compliance	[2] Initial TIL Missing
74063595	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
74063595	Non Critical	Compliance	[2] State - Missing Broker Agreement
74063595	Non Critical	Compliance	[2] State - Missing Notice of Material Change of Mortgage Loan Terms
74063595	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
77345483	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77345483	Non Critical	Compliance	[2] Initial GFE Missing
77345483	Non Critical	Compliance	[2] Initial TIL Missing
79593061	Critical	Credit	[3] Credit Report Missing
79593061	Critical	Credit	[3] Final Application Missing
79593061	Critical	Credit	[3] Missing Initial Application
79593061	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79593061	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79593061	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
79593061	Non Critical	Compliance	[2] Initial GFE Missing
79593061	Non Critical	Compliance	[2] Initial TIL Missing
79593061	Non Critical	Compliance	[2] Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
79593061	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
79593061	Non Critical	Compliance	[2] State - Missing Anti-Discrimination Notice
79593061	Non Critical	Compliance	[2] State - Missing Attorney General Information Statement
79593061	Non Critical	Compliance	[2] State - Missing Closing Statement / Closing Disclosure
79593061	Non Critical	Compliance	[2] State - Missing Mortgage Loan Origination Dislcosure
79593061	Non Critical	Compliance	[2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
79593061	Non Critical	Compliance	[2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
79593061	Non Critical	Compliance	[2] State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
79593061	Non Critical	Compliance	[2] State - Missing Statutory Authority Disclosure
77355242	Critical	Compliance	[3] HUD-1 Estimated		Estimated HUD in file is executed by the borrower and certified by the settlement agent.	YES
77355242	Non Critical	Compliance	[2] Affiliated Business Doc Missing
77355242	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77355242	Non Critical	Compliance	[2] State - Missing Guaranty Terms Agreement
77355242	Non Critical	Compliance	[2] State - Missing Right to Choose Insurance Provider
77355242	Non Critical	Compliance	[2] State - Missing Tangible Net Benefit Disclosure
78803268	Critical	Compliance	[3] TIL Incomplete		Final TIL was signed by the borrower at closing, however, reflects estimated APR, finance charges, amount financed and total payment figures.	TESTED
78803268	Critical	Credit	[3] Final Application Missing
78803268	Critical	Credit	[3] Missing Initial Application
78803268	Non Critical	Compliance	[2] Initial GFE Missing
78803268	Non Critical	Credit	[2] Negam by Note Design
73420480	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
73420480	Critical	Compliance	[3] TIL Missing			YES
73420480	Critical	Credit	[3] Appraisal Missing
73420480	Critical	Credit	[3] Credit Report Missing
73420480	Critical	Credit	[3] Final Application Missing
73420480	Critical	Credit	[3] Missing Initial Application
73420480	Non Critical	Compliance	[2] Affiliated Business Doc Missing
73420480	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
73420480	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73420480	Non Critical	Compliance	[2] Initial GFE Missing
73420480	Non Critical	Compliance	[2] Initial TIL Missing
73420480	Non Critical	Compliance	[2] State - Missing Application Disclosure
73420480	Non Critical	Compliance	[2] State - Missing Mortgage Broker Agreement
73420480	Non Critical	Credit	[2] Negam by Note Design
76055034	Critical	Credit	[3] Final Application Missing
76055034	Critical	Credit	[3] Missing Initial Application
76055034	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76055034	Non Critical	Compliance	[2] State - Missing Dual Status / Dual Capacity Disclosure
79677959	Critical	Credit	[3] Appraisal Missing
79677959	Critical	Credit	[3] Credit Report Missing
79677959	Critical	Credit	[3] Final Application Missing
79677959	Critical	Credit	[3] Missing Initial Application
79677959	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79677959	Non Critical	Compliance	[2] Initial GFE Missing
78240627	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78240627	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
78240627	Non Critical	Compliance	[2] State - Missing Appraisal Notice
78240627	Non Critical	Compliance	[2] State - Missing Commitment Letter
78240627	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
78240627	Non Critical	Compliance	[2] State - Missing Dual Capacity Disclosure
78240627	Non Critical	Compliance	[2] State - Missing signed Notice of Mortgage Broker Fee
78240627	Non Critical	Compliance	[2] State - Missing Virginia Insurance Disclosure
77966877	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77966877	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
77966877	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
77966877	Non Critical	Compliance	[2] State - Missing Anti-Discrimination Notice
77966877	Non Critical	Compliance	[2] State - Missing Attorney General Information Statement
77966877	Non Critical	Compliance	[2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
77966877	Non Critical	Compliance	[2] State - Missing Statutory Authority Disclosure
76959381	Critical	Compliance	[3] HUD-1 Missing			YES
76959381	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
76959381	Critical	Compliance	[3] TIL Missing			YES
76959381	Critical	Credit	[3] Appraisal Missing
76959381	Critical	Credit	[3] Credit Report Missing
76959381	Critical	Credit	[3] Final Application Missing
76959381	Critical	Credit	[3] Missing Initial Application
76959381	Critical	Credit	[3] Missing Title Evidence
76959381	Non Critical	Compliance	[2] Affiliated Business Doc Missing
76959381	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
76959381	Non Critical	Compliance	[2] Initial GFE Missing
76959381	Non Critical	Compliance	[2] Initial TIL Missing
76959381	Non Critical	Compliance	[2] State - Missing Residential Property Disclosure / Homeowner's Certification of Principal Residence
76959381	Non Critical	Compliance	[2] State - Missing Disclosure of Seller-Paid Fees
76959381	Non Critical	Compliance	[2] State - Missing First Time Home Buyer Affidavit
76959381	Non Critical	Compliance	[2] State - Missing Home Buyers Property Tax Payment Option
76959381	Non Critical	Compliance	[2] State - Missing Licensee Information or Affidavit of Exemption
76959381	Non Critical	Compliance	[2] State - Missing MD Finance Agreement
76959381	Non Critical	Compliance	[2] State - Missing MD No Escrow Account Disclosure
76959381	Non Critical	Compliance	[2] State - Missing MD Notice of Housing Counseling and Services disclosure
76959381	Non Critical	Compliance	[2] State - Missing Net Tangible Benefit Worksheet
76959381	Non Critical	Compliance	[2] State - Missing Office of Finance, Treasury Division Finance Affidavit
76959381	Non Critical	Compliance	[2] State - Missing Right to Choose Attorney or Title Insurance Company
76959381	Non Critical	Compliance	[2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
71819444	Critical	Compliance	[3] APR Tolerance UnderDisclosed 0.125		APR under disclosed by .4689 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
71819444	Critical	Compliance	[3] Federal Higher-Priced Mortgage Loan		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.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
71819444	Critical	Compliance	[3] Finance Charge underdisclosed >$100 for Purchase		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.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
71819444	Critical	Credit	[3] MI Missing	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.
71819444	Critical	Credit	[3] Mortgage/DOT Incomplete	Mortgage incomplete due to missing notary acknowledgment page.
71819444	Non Critical	Compliance	[2] HMDA-reportable rate spread (10/1/09 and later)
71819444	Non Critical	Compliance	[2] State - Missing Complaints and Inquiries Notice
71819444	Non Critical	Credit	[2] Combined Orig LTV >100%
76797557	Critical	Credit	[3] Credit Report Missing
76797557	Non Critical	Compliance	[2] Initial GFE Missing
76797557	Non Critical	Compliance	[2] Initial TIL Missing
76797557	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
76797557	Non Critical	Compliance	[2] State - Missing Insurance Disclosure / Right to Choose Insurance Provider
77145048	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77145048	Non Critical	Compliance	[2] Initial TIL Missing
77145048	Non Critical	Compliance	[2] State - Missing Application Disclosure
74949208	Critical	Credit	[3] Final Application Missing
74949208	Critical	Credit	[3] Missing Initial Application
74949208	Non Critical	Compliance	[2] Affiliated Business Doc Missing
74949208	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
76285797	Critical	Credit	[3] Final Application Missing
76285797	Critical	Credit	[3] Missing Initial Application
76285797	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76285797	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
76285797	Non Critical	Compliance	[2] Initial TIL Missing
79214448	Critical	Compliance	[3] HUD-1 Incomplete		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
79214448	Critical	Credit	[3] Final Application Missing
79214448	Critical	Credit	[3] Missing Initial Application
79214448	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
79214448	Non Critical	Compliance	[2] Initial GFE Missing
79214448	Non Critical	Compliance	[2] Initial TIL Missing
79214448	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
79214448	Non Critical	Compliance	[2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account
79214448	Non Critical	Compliance	[2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
79214448	Non Critical	Compliance	[2] State - Missing Consumer Credit Score Disclosure
79214448	Non Critical	Compliance	[2] State - Missing DRE Advance Fee Agreement
79214448	Non Critical	Compliance	[2] State - Missing Fair Lending Notice
79214448	Non Critical	Compliance	[2] State - Missing Finance Lender Information Disclosure
79214448	Non Critical	Compliance	[2] State - Missing Hazard Insurance Disclosure
79214448	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
79214448	Non Critical	Compliance	[2] State - Missing Mortgage Broker Agreement
79214448	Non Critical	Compliance	[2] State - Missing Mortgage Loan Disclosure Statement (DRE)
79214448	Non Critical	Credit	[2] Only Preliminary Title in File
74438309	Critical	Compliance	[3] ROR Violation Funding date is prior to or equals the ROR End Date		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.
74438309	Critical	Credit	[3] Credit Report Missing
74438309	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
74438309	Non Critical	Compliance	[2] State - Missing Notice to Cosigner
74438309	Non Critical	Compliance	[2] State - Missing Waiver of Title Insurance Disclosure
74438309	Non Critical	Credit	[2] Only Preliminary Title in File
78339091	Critical	Compliance	[3] HUD-1 Missing			YES
78339091	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
78339091	Critical	Compliance	[3] TIL Missing			YES
78339091	Critical	Credit	[3] Appraisal Missing
78339091	Critical	Credit	[3] Credit Report Missing
78339091	Critical	Credit	[3] Final Application Missing
78339091	Critical	Credit	[3] Missing Initial Application
78339091	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78339091	Non Critical	Compliance	[2] Initial GFE Missing
78339091	Non Critical	Compliance	[2] Initial TIL Missing
78339091	Non Critical	Compliance	[2] State - Missing Application Disclosure
78339091	Non Critical	Compliance	[2] State - Missing Commitment Letter
78339091	Non Critical	Compliance	[2] State - Missing Freedom to Choose / Anti-Coercion Disclosure
78339091	Non Critical	Compliance	[2] State - Missing Rate Lock
75842711	Critical	Credit	[3] Missing Initial Application
75842711	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
75842711	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75842711	Non Critical	Compliance	[2] State - Missing Attorney Disclosure
79351656	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79442301	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79116654	Non Critical	Compliance	[2] Initial TIL Missing
73818849	Non Critical	Compliance	[2] Initial TIL Missing
79754048	Non Critical	Compliance	[2] Initial TIL Missing
79754048	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
79104656	Non Critical	Compliance	[2] Initial TIL Missing
79104656	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
70007913	Non Critical	Compliance	[2] Initial TIL Missing
70007913	Non Critical	Compliance	[2] Initial GFE Missing
70007913	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
75612816	Non Critical	Compliance	[2] Initial TIL Missing
75612816	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
73830155	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
73830155	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
76142788	Non Critical	Compliance	[2] Initial TIL Missing
78113122	Non Critical	Compliance	[2] Affiliated Business Doc Missing
70054226	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
70054226	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
70054226	Critical	Credit	[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.
70054226	Non Critical	Compliance	[2] Initial GFE Missing
70054226	Non Critical	Compliance	[2] Initial TIL Missing
70054226	Non Critical	Compliance	[2] State - Missing Appraisal Notice
70054226	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
78547638	Critical	Credit	[3] Final Application Missing
78547638	Critical	Credit	[3] Missing Initial Application
78547638	Non Critical	Compliance	[2] State - Missing Non Agency Disclosure
78547638	Non Critical	Compliance	[2] State - Missing Prepayment Penalty Disclosure
78067082	Critical	Credit	[3] Final Application Missing
78067082	Critical	Credit	[3] Missing Initial Application
78067082	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78067082	Non Critical	Compliance	[2] Initial GFE Missing
78067082	Non Critical	Compliance	[2] Initial TIL Missing
78067082	Non Critical	Compliance	[2] State - Missing Freedom to Choose / Anti-Coercion Disclosure
78067082	Non Critical	Compliance	[2] State - Missing Mortgage Consumer Disclosure
78067082	Non Critical	Compliance	[2] State - Missing or Incomplete Variable Rate Disclosure
79473931	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
79473931	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
79473931	Non Critical	Compliance	[2] State - Missing Borrower's Choice of Attorney Disclosure
79473931	Non Critical	Compliance	[2] State - Missing Appraisal and Consumer Report Notice
79473931	Non Critical	Compliance	[2] State - Missing Lock-In Agreement
79473931	Non Critical	Compliance	[2] State - Missing Notice of Expiration of Loan Commitment
79473931	Non Critical	Compliance	[2] State - Missing Prevailing Commitment Disclosure
79473931	Non Critical	Compliance	[2] State - Missing Tax Escrow Account Designation
78575104	Critical	Credit	[3] Final Application Missing
78575104	Critical	Credit	[3] Missing Initial Application
78575104	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
78575104	Non Critical	Compliance	[2] Initial TIL Missing
78575104	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
78426753	Acceptable	Compliance	[1] HUD QM APR Test - APR below HUD QM APR Threshold: Safe Harbor
78426753	Acceptable	Compliance	[1] QM Loan - HUD QM Rule (Conditional)
78426753	Acceptable	Compliance	[1] TILA Designation: Safe Harbor QM - HUD QM Rule (Conditional - Proof of Insurance required)
78426753	Critical	Credit	[3] GSA exclusions search results missing; FHA File	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.
78426753	Critical	Credit	[3] Limited Denial of Participation (LDP) Missing; FHA File	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.
78426753	Critical	Credit	[3] MI Missing	Case Query results provided do not indicate UFMIP was paid, FHA loan, missing MIC.
78426753	Non Critical	Compliance	[2] GFE1 Written list of service providers not given to borrower
78426753	Non Critical	Compliance	[2] RegX Violation: Borrower was not provided with a current list of local homeownership counseling organizations within 3 days of application		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.
78426753	Non Critical	Compliance	[2] State - Missing Loan Agreement Rider
78426753	Non Critical	Compliance	[2] State - Missing Mortgage Banker Disclosure
78426753	Non Critical	Credit	[2] Zoning Compliance "Legal" Not Checked	Per appraisal, property is located in an area with no zoning.
77850210	Critical	Credit	[3] FHA Case Number Assignment Missing
77850210	Critical	Credit	[3] MI Missing	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.
77850210	Critical	Credit	[3] Missing Title Evidence
77850210	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
77850210	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
76606679	Critical	Credit	[3] Credit Report Missing
76606679	Critical	Credit	[3] Final Application Missing
76606679	Critical	Credit	[3] Missing Initial Application
76606679	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
76606679	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76606679	Non Critical	Compliance	[2] Initial TIL Missing
76606679	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
76606679	Non Critical	Compliance	[2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
76606679	Non Critical	Compliance	[2] State - Missing Finance Lender Information Disclosure
76606679	Non Critical	Compliance	[2] State - Missing Hazard Insurance Disclosure
76606679	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
76606679	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
76606679	Non Critical	Compliance	[2] State - Missing Mortgage Broker Agreement
71517906	Critical	Credit	[3] Credit Report Missing
71517906	Critical	Credit	[3] Final Application Missing
71517906	Critical	Credit	[3] Missing Initial Application
71517906	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71517906	Non Critical	Compliance	[2] Initial GFE Missing
71517906	Non Critical	Compliance	[2] Initial TIL Missing
76581946	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
76581946	Critical	Compliance	[3] TX Home Equity Loan Disclosure Exception		[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.		A 50a6 violation may lead to forfeiture of all principal and interest.
76581946	Critical	Compliance	[3] TX Home Equity Loan Disclosure Exception		[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.		A 50a6 violation may lead to forfeiture of all principal and interest.
76581946	Critical	Compliance	[3] TX Home Equity Loan Provision Violation		[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.		A 50a6 violation may lead to forfeiture of all principal and interest.
76581946	Critical	Compliance	[3] TX Home Equity Loan Provision Violation		[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.
76581946	Critical	Compliance	[3] Violation of TX Equity Out 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.		A 50a6 violation may lead to forfeiture of all principal and interest.
76581946	Critical	Credit	[3] Credit Report Missing
76581946	Critical	Credit	[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).
76581946	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
76581946	Non Critical	Compliance	[2] Initial GFE Missing
76581946	Non Critical	Compliance	[2] Initial TIL Missing
76581946	Non Critical	Compliance	[2] State - Missing Notice of Penalties for Making False or Misleading Written Statement
71019533	Critical	Compliance	[3] Home Loan Provision Exception		[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.
71019533	Critical	Credit	[3] Credit Report Missing
71019533	Critical	Credit	[3] Missing Initial Application
71019533	Non Critical	Compliance	[2] Affiliated Business Doc Missing
71019533	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
71019533	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71019533	Non Critical	Compliance	[2] Initial GFE Missing
71019533	Non Critical	Compliance	[2] Initial TIL Missing
71019533	Non Critical	Compliance	[2] State - Missing Commitment Disclosure
71019533	Non Critical	Compliance	[2] State - Missing Right to Select Attorney Disclosure
73868787	Critical	Credit	[3] Credit Report Missing
73868787	Critical	Credit	[3] Final Application Missing
73868787	Critical	Credit	[3] Note Incomplete	Note incomplete due to missing first payment date, maturity date, and principal and interest payment amount.
73868787	Non Critical	Compliance	[2] Initial GFE Missing
73868787	Non Critical	Compliance	[2] Initial TIL Missing
73868787	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
73868787	Non Critical	Compliance	[2] State - Missing Lock In Disclosure
73868787	Non Critical	Compliance	[2] State - Missing signed Notice of Mortgage Broker Fee
73868787	Non Critical	Compliance	[2] State - Missing Virginia Insurance Disclosure
73868787	Non Critical	Credit	[2] Manufactured (Double-Wide)
72528607	Critical	Credit	[3] Credit Report Missing
72528607	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
72528607	Non Critical	Compliance	[2] Initial TIL Missing
72528607	Non Critical	Compliance	[2] State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
74154956	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
74154956	Critical	Compliance	[3] ROR Incorrect Form - Non Lender to Lender Not On H8/G8		ROR incorrect form used for non lender to lender refinance, H8 or G8 form not used.		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.
74154956	Non Critical	Compliance	[2] Affiliated Business Doc Missing
74154956	Non Critical	Compliance	[2] Initial TIL Missing
74154956	Non Critical	Compliance	[2] State - Missing Choice of Settlement Agent Disclosure
74154956	Non Critical	Compliance	[2] State - Missing Commitment Letter
74154956	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
74154956	Non Critical	Compliance	[2] State - Missing Lock In Disclosure
74154956	Non Critical	Compliance	[2] State - Missing Virginia Insurance Disclosure
73145768	Critical	Compliance	[3] HUD-1 Estimated		Estimated HUD in file is executed by the borrower and certified by the settlement agent.	NO
73145768	Critical	Credit	[3] Final Application Missing
73145768	Critical	Credit	[3] Missing Initial Application
73145768	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73145768	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
73145768	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
73145768	Non Critical	Compliance	[2] State - Missing Notice of Material Change of Mortgage Loan Terms
73145768	Non Critical	Compliance	[2] State - Missing Notice to Purchaser-Mortgagor
73145768	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
78512610	Critical	Credit	[3] Final Application Missing
78512610	Critical	Credit	[3] Missing Initial Application
78512610	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78512610	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
78512610	Non Critical	Compliance	[2] Initial GFE Missing
78512610	Non Critical	Compliance	[2] Initial TIL Missing
78512610	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
78512610	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
76257359	Critical	Credit	[3] Final Application Missing
76257359	Critical	Credit	[3] Missing Initial Application
76257359	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77282658	Critical	Compliance	[3] APR Tolerance UnderDisclosed 0.125		APR under disclosed by 1.1687 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
77282658	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
77282658	Critical	Compliance	[3] TIL Incomplete		Final TIL is executed by borrower at closing; however, reflects estimate Finance Charge and Total Payment figures.	TESTED
77282658	Critical	Credit	[3] Final Application Missing
77282658	Critical	Credit	[3] Missing Initial Application
77282658	Non Critical	Compliance	[2] Affiliated Business Doc Missing
77282658	Non Critical	Compliance	[2] Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $59.58 and annual premium of $714.96. Insurance is optional.
77282658	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77282658	Non Critical	Compliance	[2] Initial TIL Missing
72378291	Critical	Credit	[3] Final Application Missing
72378291	Critical	Credit	[3] Missing Initial Application
72378291	Non Critical	Compliance	[2] Affiliated Business Doc Missing
72378291	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
72378291	Non Critical	Compliance	[2] Initial GFE Missing
72378291	Non Critical	Compliance	[2] Initial TIL Missing
72378291	Non Critical	Compliance	[2] State - Mising Illinois Mortgage Escrow Act Disclosure
72378291	Non Critical	Compliance	[2] State - Missing Broker Agreement
72378291	Non Critical	Compliance	[2] State - Missing Collateral Protection Act Disclosure
72378291	Non Critical	Compliance	[2] State - Missing Commitment Letter
72378291	Non Critical	Compliance	[2] State - Missing Description of Underwriting Criteria and Required Documentation
72378291	Non Critical	Compliance	[2] State - Missing Escrow Account Disclosure Agreement
72378291	Non Critical	Compliance	[2] State - Missing Loan Brokerage Disclosure Statement
72378291	Non Critical	Compliance	[2] State - Missing Loan Product Choice / Prepayment Penalty Disclosure
72378291	Non Critical	Compliance	[2] State - Missing Notice of Choice of Agent or Insurer
72378291	Non Critical	Compliance	[2] State - Missing Rate and Points Lock/Float Agreement
79924085	Critical	Compliance	[3] TX Home Equity Loan Disclosure Exception		[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.
79924085	Critical	Compliance	[3] TX Home Equity Loan Provision Violation		[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.
79924085	Critical	Compliance	[3] Violation of TX Equity Out 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.
79924085	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79924085	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79924085	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
79924085	Non Critical	Compliance	[2] Initial GFE Missing
79924085	Non Critical	Compliance	[2] Initial TIL Missing
79924085	Non Critical	Compliance	[2] State - Missing Collateral Protection Insurance Notice
79924085	Non Critical	Compliance	[2] State - Missing Complaints and Inquiries Notice
79924085	Non Critical	Compliance	[2] State - Missing Notice of Penalties for Making False or Misleading Written Statement
77369483	Critical	Credit	[3] Balloon Under 7 Years	Per note balloon term 6 years.
77369483	Critical	Credit	[3] Final Application Missing
77369483	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77369483	Non Critical	Compliance	[2] State - Missing Application Disclosure
77369483	Non Critical	Compliance	[2] State - Missing Disclosure of Seller-Paid Fees
77369483	Non Critical	Compliance	[2] State - Missing Licensee Information or Affidavit of Exemption
77369483	Non Critical	Compliance	[2] State - Missing MD Finance Agreement
77369483	Non Critical	Compliance	[2] State - Missing Right to Choose Attorney or Title Insurance Company
77369483	Non Critical	Compliance	[2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
76710232	Critical	Compliance	[3] Finance Charge underdisclosed >$100 for Purchase		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.
76710232	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
76710232	Non Critical	Compliance	[2] State - Missing Application Disclosure
76710232	Non Critical	Compliance	[2] State - Missing Freedom to Choose / Anti-Coercion Disclosure
76710232	Non Critical	Compliance	[2] State - Missing Mortgage Consumer Disclosure
76710232	Non Critical	Compliance	[2] State - Missing Rate Lock
76710232	Non Critical	Credit	[2] Combined Orig LTV >100%
74526923	Critical	Compliance	[3] HUD-1 Missing			YES
74526923	Critical	Compliance	[3] TIL Missing			YES
74526923	Critical	Credit	[3] Appraisal Missing
74526923	Critical	Credit	[3] Credit Report Missing
74526923	Critical	Credit	[3] Final Application Missing
74526923	Critical	Credit	[3] Missing Initial Application
74526923	Non Critical	Compliance	[2] Affiliated Business Doc Missing
74526923	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
74526923	Non Critical	Compliance	[2] Initial GFE Missing
74526923	Non Critical	Compliance	[2] Initial TIL Missing
74526923	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
74526923	Non Critical	Compliance	[2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account
74526923	Non Critical	Compliance	[2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
74526923	Non Critical	Compliance	[2] State - Missing Consumer Credit Score Disclosure
74526923	Non Critical	Compliance	[2] State - Missing Domestic Partnership Affidavit
74526923	Non Critical	Compliance	[2] State - Missing Fair Lending Notice
74526923	Non Critical	Compliance	[2] State - Missing Hazard Insurance Disclosure
74526923	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
74526923	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
78367472	Critical	Credit	[3] Final Application Missing
78367472	Critical	Credit	[3] Missing Initial Application
78367472	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
70268502	Critical	Compliance	[3] TX Home Equity Loan Provision Violation		[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.
70268502	Critical	Compliance	[3] Violation of TX Equity Out 12 Day Cooling-Off Period		[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.
70268502	Non Critical	Compliance	[2] Affiliated Business Doc Missing
70268502	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
70268502	Non Critical	Compliance	[2] State - Missing Notice of Penalties for Making False or Misleading Written Statement
78861473	Critical	Credit	[3] Application Incomplete	Final application incomplete due to missing borrower's signature.
78861473	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78861473	Non Critical	Compliance	[2] State - Missing Borrower's Choice of Attorney Disclosure
78861473	Non Critical	Compliance	[2] State - Missing Application Disclosure
78861473	Non Critical	Compliance	[2] State - Missing Appraisal and Consumer Report Notice
78861473	Non Critical	Compliance	[2] State - Missing Lock-In Agreement
78861473	Non Critical	Compliance	[2] State - Missing Notice of Expiration of Loan Commitment
78861473	Non Critical	Compliance	[2] State - Missing Prevailing Commitment Disclosure
78861473	Non Critical	Compliance	[2] State - Missing Tax Escrow Account Designation
73918046	Critical	Compliance	[3] TX Home Equity Loan Provision Violation		[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.
73918046	Critical	Credit	[3] Credit Report Missing
73918046	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73918046	Non Critical	Compliance	[2] State - Missing Collateral Protection Insurance Notice
73918046	Non Critical	Compliance	[2] State - Missing Mortgage Banker Disclosure
73918046	Non Critical	Compliance	[2] State - Missing Notice of Penalties for Making False or Misleading Written Statement
75078200	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
75078200	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
75078200	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
75078200	Non Critical	Compliance	[2] State - Missing Residential Property Disclosure / Homeowner's Certification of Principal Residence
75078200	Non Critical	Compliance	[2] State - Missing Disclosure of Seller-Paid Fees
75078200	Non Critical	Compliance	[2] State - Missing First Time Home Buyer Affidavit
75078200	Non Critical	Compliance	[2] State - Missing Home Buyers Property Tax Payment Option
75078200	Non Critical	Compliance	[2] State - Missing Licensee Information or Affidavit of Exemption
75078200	Non Critical	Compliance	[2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
79502823	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.
79502823	Critical	Credit	[3] Final Application Missing
79502823	Critical	Credit	[3] Missing Initial Application
79502823	Non Critical	Compliance	[2] State - Missing Amortization Information Disclosure
79502823	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
79502823	Non Critical	Compliance	[2] State - Missing Choice of Attorney disclosure
75441218	Critical	Credit	[3] Credit Report Missing
75441218	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
75441218	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75441218	Non Critical	Compliance	[2] Initial TIL Missing
75441218	Non Critical	Compliance	[2] State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
78352169	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
78352169	Critical	Credit	[3] Credit Report Missing
78352169	Critical	Credit	[3] Final Application Missing
78352169	Critical	Credit	[3] Missing Initial Application
78352169	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
78352169	Non Critical	Compliance	[2] Initial GFE Missing
78352169	Non Critical	Compliance	[2] Initial TIL Missing
79412377	Critical	Credit	[3] Application Incomplete	Final application incomplete due to missing origination entity information.
79412377	Critical	Credit	[3] Credit Report Missing
79412377	Critical	Credit	[3] Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
79412377	Critical	Credit	[3] P&I stated and calculated exceeds tolerance 0.05	P&I (3561) exceeds standard variance (0.05) with calculated P&I (3560.93) Current Variance 0.07.
79412377	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
79412377	Non Critical	Compliance	[2] Initial GFE Missing
79412377	Non Critical	Compliance	[2] State - Missing Borrower's Choice of Attorney Disclosure
79412377	Non Critical	Compliance	[2] State - Missing Appraisal and Consumer Report Notice
79412377	Non Critical	Compliance	[2] State - Missing Broker Compensation Disclosure
79412377	Non Critical	Compliance	[2] State - Missing Insurance Disclsoure
79412377	Non Critical	Compliance	[2] State - Missing Interest Rate Disclsoure
79412377	Non Critical	Compliance	[2] State - Missing Lock-In Agreement
79412377	Non Critical	Compliance	[2] State - Missing Notice of Expiration of Loan Commitment
76479878	Critical	Credit	[3] MI Missing	Case Query results provided indicate UFMIP was paid, FHA loan, missing MIC.
76479878	Non Critical	Compliance	[2] Affiliated Business Doc Missing
76479878	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
76479878	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
76479878	Non Critical	Compliance	[2] State - Missing Anti-Discrimination Notice
76479878	Non Critical	Compliance	[2] State - Missing Attorney General Information Statement
76479878	Non Critical	Compliance	[2] State - Missing Closing Statement / Closing Disclosure
76479878	Non Critical	Compliance	[2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
76479878	Non Critical	Compliance	[2] State - Missing Mortgage Loan Origination Dislcosure
76479878	Non Critical	Compliance	[2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
76479878	Non Critical	Compliance	[2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
76479878	Non Critical	Compliance	[2] State - Missing Statutory Authority Disclosure
76479878	Non Critical	Credit	[2] Combined Orig LTV >100%
73544390	Critical	Credit	[3] Credit Report Missing
73544390	Critical	Credit	[3] Missing Initial Application
73544390	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
73544390	Non Critical	Compliance	[2] State - Missing Freedom to Choose Insurance Provider disclosure
73544390	Non Critical	Compliance	[2] State - Missing Broker Agreement
73544390	Non Critical	Compliance	[2] State - Missing Notice to Borrower/Prospective Borrower / Homeowner Protection Notice
73544390	Non Critical	Compliance	[2] State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
71800663	Critical	Credit	[3] Final Application Missing
78151088	Critical	Credit	[3] Final Application Missing
78151088	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
78151088	Non Critical	Compliance	[2] Initial TIL Missing
78018978	Critical	Compliance	[3] Finance Charge underdisclosed >$100 for Purchase		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.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
78018978	Non Critical	Compliance	[2] Initial GFE Missing
78018978	Non Critical	Compliance	[2] Initial TIL Missing
78140943	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
72128099	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
72128099	Non Critical	Compliance	[2] State - Missing Credit Agreeement/Rate Lock
72128099	Non Critical	Compliance	[2] State - Missing Dual Status / Dual Capacity Disclosure
72128099	Non Critical	Compliance	[2] State - Missing Guaranty Terms Agreement
72128099	Non Critical	Compliance	[2] State - Missing required broker disclosure
72128099	Non Critical	Compliance	[2] State - Missing Right to Choose Insurance Provider
72128099	Non Critical	Compliance	[2] State - Missing Tangible Net Benefit Disclosure
72895080	Non Critical	Compliance	[2] State - Missing MD Balloon Disclosure
70683867	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
70683867	Non Critical	Compliance	[2] State - Missing Credit Grantor Election
70683867	Non Critical	Compliance	[2] State - Missing Disclosure of Seller-Paid Fees
70683867	Non Critical	Compliance	[2] State - Missing Guarantee Of Loan Program
70683867	Non Critical	Compliance	[2] State - Missing MD Mandatory Arbitration Disclosure
70683867	Non Critical	Compliance	[2] State - Missing MD No Escrow Account Disclosure
70683867	Non Critical	Compliance	[2] State - Missing MD Notice of Housing Counseling and Services disclosure
70683867	Non Critical	Compliance	[2] State - Missing Mortgage Broker Agreement
70683867	Non Critical	Compliance	[2] State - Missing Written Acknowledgement of Delivery of the Note
71521453	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71521453	Non Critical	Compliance	[2] Initial GFE Missing
71521453	Non Critical	Compliance	[2] Initial TIL Missing
70193352	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76123862	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
76123862	Non Critical	Compliance	[2] State - Missing Domestic Partnership Affidavit
76123862	Non Critical	Compliance	[2] State - Missing Home Equity Loan Disclosure
76811958	Critical	Compliance	[3] Finance Charge underdisclosed >$35 for Refinance		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.
76811958	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76811958	Non Critical	Compliance	[2] Initial GFE Missing
76811958	Non Critical	Compliance	[2] Initial TIL Missing
78693301	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75787192	Critical	Credit	[3] Missing Initial Application
75787192	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75787192	Non Critical	Compliance	[2] Initial GFE Missing
75787192	Non Critical	Compliance	[2] Initial TIL Missing
75787192	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
75787192	Non Critical	Compliance	[2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
75787192	Non Critical	Credit	[2] Negam by Note Design
72988469	Non Critical	Compliance	[2] State - Missing Appraisal Notice
79742708	Critical	Credit	[3] Final Application Missing
79742708	Critical	Credit	[3] Missing Initial Application
79742708	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
79742708	Non Critical	Credit	[2] Only Preliminary Title in File
70030663	Critical	Credit	[3] Final Application Missing
70030663	Non Critical	Compliance	[2] Initial GFE Missing
70030663	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
70030663	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
76602504	Critical	Credit	[3] Final Application Missing
76602504	Critical	Credit	[3] Missing Initial Application
76602504	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76602504	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
76602504	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
70417643	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
74656315	Critical	Credit	[3] Final Application Missing
74656315	Critical	Credit	[3] Missing Initial Application
74656315	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76572942	Critical	Compliance	[3] TIL Missing			NO
76572942	Critical	Credit	[3] Credit Report Missing
76572942	Critical	Credit	[3] Final Application Missing
76572942	Critical	Credit	[3] Missing Initial Application
76572942	Critical	Credit	[3] Missing Title Evidence
76572942	Non Critical	Compliance	[2] Affiliated Business Doc Missing
76572942	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
76572942	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76572942	Non Critical	Compliance	[2] Initial GFE Missing
76572942	Non Critical	Compliance	[2] Initial TIL Missing
76572942	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
76572942	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
76572942	Non Critical	Compliance	[2] State - Missing Rate Lock
73964997	Critical	Compliance	[3] ROR Missing			YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
73964997	Critical	Compliance	[3] TIL Missing			YES
73964997	Critical	Credit	[3] Credit Report Missing
73964997	Critical	Credit	[3] Final Application Missing
73964997	Critical	Credit	[3] Missing Initial Application
73964997	Critical	Credit	[3] No Net Tangible Benefit To Borrower	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.
73964997	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
73964997	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73964997	Non Critical	Compliance	[2] Initial GFE Missing
73964997	Non Critical	Compliance	[2] Initial TIL Missing
73964997	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
73964997	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
73964997	Non Critical	Compliance	[2] State - Missing Oral Agreement Notice
73964997	Non Critical	Compliance	[2] State - Missing Rate Lock Disclosure
78464412	Critical	Credit	[3] Credit Report Missing
78464412	Critical	Credit	[3] Final Application Missing
78464412	Critical	Credit	[3] Missing Initial Application
78464412	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78311062	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
78311062	Non Critical	Compliance	[2] State - Missing Commitment Disclosure
71661346	Critical	Compliance	[3] TIL Missing			NO
71661346	Critical	Credit	[3] Credit Report Missing
71661346	Critical	Credit	[3] Final Application Missing
71661346	Critical	Credit	[3] Missing Initial Application
71661346	Non Critical	Compliance	[2] Affiliated Business Doc Missing
71661346	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
71661346	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71661346	Non Critical	Compliance	[2] Initial GFE Missing
71661346	Non Critical	Compliance	[2] Initial TIL Missing
71661346	Non Critical	Compliance	[2] State - Missing Application Disclosure
71661346	Non Critical	Compliance	[2] State - Missing Commitment Letter
71661346	Non Critical	Compliance	[2] State - Missing Freedom to Choose / Anti-Coercion Disclosure
71661346	Non Critical	Compliance	[2] State - Missing Mortgage Consumer Disclosure
71661346	Non Critical	Compliance	[2] State - Missing Rate Lock
79228492	Critical	Compliance	[3] HUD-1 Missing			YES
79228492	Critical	Credit	[3] Appraisal Missing
79228492	Critical	Credit	[3] Credit Report Missing
79228492	Critical	Credit	[3] Final Application Missing
79228492	Critical	Credit	[3] Missing Initial Application
79228492	Critical	Credit	[3] Missing Title Evidence
79228492	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79228492	Non Critical	Compliance	[2] State - Missing Right to Select Attorney Disclosure
71717871	Critical	Credit	[3] Missing Initial Application
71717871	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
71717871	Non Critical	Compliance	[2] Initial TIL Missing
71717871	Non Critical	Compliance	[2] State - Missing Right to Select Attorney Disclosure
73083900	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
73083900	Critical	Credit	[3] Missing Initial Application
73083900	Critical	Credit	[3] No Net Tangible Benefit To Borrower	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.
73083900	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
73083900	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
73083900	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
75156877	Critical	Credit	[3] Missing Initial Application
75156877	Non Critical	Compliance	[2] State - Missing Application Disclosure
75156877	Non Critical	Compliance	[2] State - Missing Net Tangible Benefit Worksheet
72833314	Critical	Credit	[3] Missing Initial Application
72833314	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
72833314	Non Critical	Compliance	[2] Initial TIL Missing
77603721	Critical	Credit	[3] Missing Initial Application
77603721	Non Critical	Compliance	[2] Affiliated Business Doc Missing
77603721	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
77603721	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
77603721	Non Critical	Compliance	[2] Initial TIL Missing
77603721	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
77603721	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
78005159	Critical	Credit	[3] Missing Initial Application
78005159	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78492228	Critical	Credit	[3] Missing Initial Application
78492228	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78492228	Non Critical	Compliance	[2] Initial TIL Missing
75282484	Critical	Credit	[3] Missing Initial Application
75282484	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
75282484	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
75282484	Non Critical	Compliance	[2] Initial TIL Missing
76200858	Critical	Credit	[3] Missing Initial Application
76200858	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77179588	Critical	Credit	[3] Missing Initial Application
77179588	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
79824191	Critical	Credit	[3] Missing Initial Application
79824191	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79824191	Non Critical	Compliance	[2] Initial TIL Missing
76478858	Critical	Credit	[3] Missing Initial Application
76478858	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71109958	Critical	Credit	[3] Missing Initial Application
71109958	Non Critical	Compliance	[2] Affiliated Business Doc Missing
71109958	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
71109958	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
71109958	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
71109958	Non Critical	Compliance	[2] Initial TIL Missing
71109958	Non Critical	Compliance	[2] State - Missing Affidavit of Borrower Under Residential Mortgage Act
71109958	Non Critical	Compliance	[2] State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
71109958	Non Critical	Compliance	[2] State - Missing Right to Select Attorney Disclosure
71109958	Non Critical	Compliance	[2] State - Missing Waiver of Borrower's Rights
74247728	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
74247728	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
74247728	Non Critical	Compliance	[2] Initial TIL Date not within 3 days of Initial Application Date
74247728	Non Critical	Compliance	[2] State - Missing Borrower's Choice of Attorney Disclosure
74247728	Non Critical	Compliance	[2] State - Missing Junior / Subordinate Lien Disclosure
74247728	Non Critical	Compliance	[2] State - Missing Interest Rate Disclsoure
74247728	Non Critical	Compliance	[2] State - Missing Notice of Expiration of Loan Commitment
74247728	Non Critical	Compliance	[2] State - Missing Prevailing Commitment Disclosure
74247728	Non Critical	Compliance	[2] State - Pre-Application Disclosure Statement
79231851	Critical	Credit	[3] Appraisal Missing
79231851	Critical	Credit	[3] Credit Report Missing
79231851	Critical	Credit	[3] Final Application Missing
79231851	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79231851	Non Critical	Compliance	[2] Initial GFE Missing
79231851	Non Critical	Compliance	[2] State - Missing Fair Lending Notice
75543606	Critical	Compliance	[3] HUD-1 Missing			NO
75543606	Critical	Compliance	[3] TIL Missing			NO
75543606	Critical	Credit	[3] Appraisal Missing
75543606	Critical	Credit	[3] Credit Report Missing
75543606	Critical	Credit	[3] Final Application Missing
75543606	Critical	Credit	[3] Missing Initial Application
75543606	Critical	Credit	[3] Missing Title Evidence
75543606	Non Critical	Compliance	[2] Initial GFE Missing
75543606	Non Critical	Compliance	[2] Initial TIL Missing
75543606	Non Critical	Compliance	[2] State - Missing Application Disclosure
75543606	Non Critical	Compliance	[2] State - Missing Freedom to Choose / Anti-Coercion Disclosure
75543606	Non Critical	Compliance	[2] State - Missing Mortgage Consumer Disclosure
75543606	Non Critical	Compliance	[2] State - Missing Rate Lock
77220998	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
77220998	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
77220998	Critical	Credit	[3] Appraisal Missing
77220998	Critical	Credit	[3] Credit Report Missing
77220998	Critical	Credit	[3] Final Application Missing
77220998	Critical	Credit	[3] Missing Initial Application
77220998	Critical	Credit	[3] Missing Title Evidence
77220998	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
77220998	Non Critical	Compliance	[2] Initial GFE Missing
77220998	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
77220998	Non Critical	Compliance	[2] State - Missing Disclosure of Terms of Mortgage Application
77220998	Non Critical	Compliance	[2] State - Missing Oral Agreement Notice
77220998	Non Critical	Compliance	[2] State - Missing Rate Lock Disclosure
70338729	Critical	Credit	[3] Final Application Missing
70338729	Critical	Credit	[3] Missing Initial Application
70338729	Critical	Credit	[3] Missing Title Evidence
70338729	Non Critical	Compliance	[2] Initial GFE Missing
70338729	Non Critical	Compliance	[2] Initial TIL Missing
70338729	Non Critical	Compliance	[2] State - Missing Affidavit of Borrower Under Residential Mortgage Act
70338729	Non Critical	Compliance	[2] State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
70338729	Non Critical	Compliance	[2] State - Missing Right to Select Attorney Disclosure
70338729	Non Critical	Compliance	[2] State - Missing Waiver of Borrower's Rights
72747064	Non Critical	Compliance	[2] Initial GFE Missing
72747064	Non Critical	Compliance	[2] State - Missing Lock In Agreement
72747064	Non Critical	Compliance	[2] State - Missing Mortgage Loan Commitment
75230331	Critical	Credit	[3] Appraisal Missing
75230331	Non Critical	Compliance	[2] Initial GFE Missing
75230331	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
79973467	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79973467	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79973467	Non Critical	Compliance	[2] Initial GFE Missing
79973467	Non Critical	Compliance	[2] State - Missing Application Disclosure
79973467	Non Critical	Compliance	[2] State - Missing Attorney Disclosure
79973467	Non Critical	Compliance	[2] State - Missing Commitment Letter
79973467	Non Critical	Compliance	[2] State - Missing Domestic Partnership Affidavit
79973467	Non Critical	Compliance	[2] State - Missing Insurance Disclosure
79973467	Non Critical	Compliance	[2] State - Missing Lock In Agreement
75905030	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
75905030	Critical	Credit	[3] Missing Initial Application
75905030	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
75905030	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
75905030	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
75905030	Non Critical	Compliance	[2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account
75905030	Non Critical	Compliance	[2] State - Missing Consumer Credit Score Disclosure
75905030	Non Critical	Compliance	[2] State - Missing Fair Lending Notice
75905030	Non Critical	Compliance	[2] State - Missing Home Equity Loan Disclosure
75905030	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
79903924	Critical	Credit	[3] Missing Initial Application
79903924	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79903924	Non Critical	Compliance	[2] Initial GFE Missing
79449130	Critical	Credit	[3] Missing Initial Application
79449130	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79449130	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79449130	Non Critical	Compliance	[2] Initial GFE Missing
79449130	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
79449130	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
79449130	Non Critical	Compliance	[2] State - Missing Rate Lock
71569188	Critical	Compliance	[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.
71569188	Critical	Credit	[3] Missing Initial Application
70209085	Critical	Credit	[3] Missing Initial Application
70209085	Non Critical	Compliance	[2] Initial GFE Missing
70712598	Critical	Credit	[3] Missing Initial Application
70712598	Non Critical	Compliance	[2] Initial GFE Missing
70712598	Non Critical	Credit	[2] Only Preliminary Title in File
79997370	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
79997370	Critical	Credit	[3] Missing Initial Application
79997370	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79997370	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
79997370	Non Critical	Compliance	[2] Initial GFE Missing
79570121	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
79570121	Critical	Credit	[3] Missing Initial Application
79570121	Critical	Credit	[3] Missing Title Evidence
79570121	Non Critical	Compliance	[2] Initial GFE Missing
70862322	Critical	Compliance	[3] HUD-1 Missing			YES
70862322	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.			YES	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
70862322	Critical	Credit	[3] Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 1/3/2005, loan originated 7/XX/2005.
70862322	Critical	Credit	[3] Final Application Missing
70862322	Critical	Credit	[3] Missing Initial Application
70862322	Critical	Credit	[3] Missing Title Evidence
70862322	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
70862322	Non Critical	Compliance	[2] Initial GFE Missing
70862322	Non Critical	Compliance	[2] State - Missing Borrower Information Document
70862322	Non Critical	Compliance	[2] State - Missing Commitment Letter
70862322	Non Critical	Compliance	[2] State - Missing Description of Underwriting Criteria and Required Documentation
70862322	Non Critical	Compliance	[2] State - Missing Rate and Points Lock/Float Agreement
70971668	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
70971668	Critical	Credit	[3] Final Application Missing
70971668	Critical	Credit	[3] Missing Initial Application
70971668	Critical	Credit	[3] Missing Title Evidence
70971668	Non Critical	Compliance	[2] Affiliated Business Doc Missing
70971668	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
70971668	Non Critical	Compliance	[2] Initial GFE Missing
70971668	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
70971668	Non Critical	Compliance	[2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account
70971668	Non Critical	Compliance	[2] State - Missing Consumer Credit Score Disclosure
70971668	Non Critical	Compliance	[2] State - Missing Fair Lending Notice
70971668	Non Critical	Compliance	[2] State - Missing Hazard Insurance Disclosure
70971668	Non Critical	Compliance	[2] State - Missing Home Equity Loan Disclosure
70971668	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
70971668	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
70971668	Non Critical	Compliance	[2] State - Missing Waiver of Title Insurance Disclosure
71471654	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
71471654	Critical	Credit	[3] Appraisal Missing
71471654	Critical	Credit	[3] Credit Report Missing
71471654	Critical	Credit	[3] Final Application Missing
71471654	Critical	Credit	[3] Missing Initial Application
71471654	Critical	Credit	[3] Missing Title Evidence
71471654	Non Critical	Compliance	[2] Initial GFE Missing
70615141	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
70615141	Critical	Credit	[3] Credit Report Missing
70615141	Critical	Credit	[3] Final Application Missing
70615141	Critical	Credit	[3] Missing Title Evidence
70615141	Non Critical	Compliance	[2] Affiliated Business Doc Missing
70615141	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
70615141	Non Critical	Compliance	[2] Initial GFE Missing
70615141	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
78070781	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
78070781	Critical	Compliance	[3] State Grace Period Below Minimum		Grace period of 10 days is below the minimum of 15 days per the state of Oregon.
78070781	Critical	Credit	[3] Final Application Missing
78070781	Critical	Credit	[3] Missing Initial Application
78070781	Critical	Credit	[3] Missing Title Evidence
78070781	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
78070781	Non Critical	Compliance	[2] Initial GFE Missing
78070781	Non Critical	Compliance	[2] State - Missing Choice of Insurance Disclsoure
73849532	Critical	Compliance	[3] HUD-1 Incomplete		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
73849532	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.			NO	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
73849532	Critical	Compliance	[3] ROR Missing			NO	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
73849532	Non Critical	Compliance	[2] Initial GFE Missing
73849532	Non Critical	Compliance	[2] State - Missing Adjustable Rate Loan Without Prepayment Penalty
70590600	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
70590600	Critical	Credit	[3] Final Application Missing
70590600	Critical	Credit	[3] Missing Title Evidence
70590600	Non Critical	Compliance	[2] Initial GFE Missing
70070898	Critical	Credit	[3] Final Application Missing
70070898	Critical	Credit	[3] Missing Title Evidence
70070898	Non Critical	Compliance	[2] Affiliated Business Doc Missing
70070898	Non Critical	Compliance	[2] Initial GFE Missing
70070898	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
70070898	Non Critical	Compliance	[2] State - Missing Attorney General Information Statement
70070898	Non Critical	Compliance	[2] State - Missing Closing Statement / Closing Disclosure
70070898	Non Critical	Compliance	[2] State - Missing Mortgage Loan Origination Dislcosure
70070898	Non Critical	Compliance	[2] State - Missing Statutory Authority Disclosure
79747720	Critical	Credit	[3] Final Application Missing
79747720	Critical	Credit	[3] Missing Title Evidence
79747720	Non Critical	Compliance	[2] Initial GFE Missing
79747720	Non Critical	Compliance	[2] State - Missing Cover Page / Social Security Disclosure
70951561	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
70951561	Critical	Credit	[3] Appraisal Missing
70951561	Critical	Credit	[3] Final Application Missing
70951561	Critical	Credit	[3] Missing Initial Application
70951561	Critical	Credit	[3] Missing Title Evidence
70951561	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
70951561	Non Critical	Compliance	[2] Initial GFE Missing
79279097	Critical	Credit	[3] Final Application Missing
79279097	Critical	Credit	[3] Missing Initial Application
79279097	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79279097	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
79279097	Non Critical	Compliance	[2] State - Missing Borrower Information Document
79464430	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
79464430	Critical	Credit	[3] Missing Initial Application
79464430	Non Critical	Compliance	[2] Affiliated Business Doc Missing
79464430	Non Critical	Compliance	[2] Initial GFE Missing
79464430	Non Critical	Compliance	[2] State - Missing Broker Agreement
79464430	Non Critical	Compliance	[2] State - Missing Escrow Account Disclosure Agreement
79464430	Non Critical	Compliance	[2] State - Missing Loan Brokerage Disclosure Statement
79464430	Non Critical	Compliance	[2] State - Missing Loan Product Choice / Prepayment Penalty Disclosure
70053789	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
70053789	Critical	Credit	[3] Final Application Missing
70053789	Critical	Credit	[3] Missing Initial Application
70053789	Critical	Credit	[3] Missing Title Evidence
70053789	Non Critical	Compliance	[2] Affiliated Business Doc Missing
70053789	Non Critical	Compliance	[2] Initial GFE Missing
70053789	Non Critical	Compliance	[2] State - Missing Agency to Receive Borrower Complaints
70053789	Non Critical	Compliance	[2] State - Missing Attorney/Insurance Preference Dislcosure
70688385	Critical	Credit	[3] Final Application Missing
70688385	Critical	Credit	[3] Missing Initial Application
70688385	Non Critical	Compliance	[2] Initial GFE Missing
70688385	Non Critical	Compliance	[2] State - Missing signed Notice of Mortgage Broker Fee
73089324	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76323813	Critical	Credit	[3] Final Application Missing
76323813	Critical	Credit	[3] Missing Initial Application
76323813	Non Critical	Compliance	[2] Affiliated Business Doc Missing
76323813	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76323813	Non Critical	Compliance	[2] Initial GFE Missing
76323813	Non Critical	Compliance	[2] Initial TIL Missing
76323813	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
76323813	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
76323813	Non Critical	Credit	[2] Only Preliminary Title in File
77088553	Critical	Credit	[3] Final Application Missing
77088553	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
77088553	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
74721140	Critical	Credit	[3] Missing Initial Application
74721140	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76629731	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76629731	Non Critical	Compliance	[2] Initial GFE Missing
76629731	Non Critical	Compliance	[2] Initial TIL Missing
76629731	Non Critical	Compliance	[2] State - Missing Cover Page / Social Security Disclosure
76213741	Critical	Compliance	[3] HUD-1 Incomplete		HUD in file is a signed estimated copy and not signed by the borrower or stamped by settlement agent.	NO
76213741	Critical	Credit	[3] Credit Report Missing
76213741	Critical	Credit	[3] Final Application Missing
76213741	Critical	Credit	[3] Missing Initial Application
76213741	Non Critical	Compliance	[2] Affiliated Business Doc Missing
76213741	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
76213741	Non Critical	Compliance	[2] Initial GFE Missing
76213741	Non Critical	Compliance	[2] Initial TIL Missing
73179579	Critical	Credit	[3] Final Application Missing
73179579	Critical	Credit	[3] Missing Initial Application
73179579	Non Critical	Compliance	[2] Affiliated Business Doc Missing
73179579	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
73179579	Non Critical	Compliance	[2] Initial GFE Missing
73179579	Non Critical	Compliance	[2] Initial TIL Missing
73179579	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
73179579	Non Critical	Compliance	[2] State - Missing Domestic Partnership Affidavit
73179579	Non Critical	Compliance	[2] State - Missing Fair Lending Notice
73179579	Non Critical	Compliance	[2] State - Missing Hazard Insurance Disclosure
73179579	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
73179579	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
73179579	Non Critical	Compliance	[2] State - Missing Mortgage Broker Agreement
71202067	Critical	Credit	[3] Final Application Missing
71202067	Critical	Credit	[3] Missing Initial Application
71202067	Non Critical	Compliance	[2] Affiliated Business Doc Missing
71202067	Non Critical	Compliance	[2] State - Missing Attorneys' Fees Disclosure
71202067	Non Critical	Compliance	[2] State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
71202067	Non Critical	Compliance	[2] State - Missing Written Acknowledgement of Delivery of the Note
77345944	Critical	Credit	[3] Appraisal Missing
77345944	Critical	Credit	[3] Final Application Missing
77345944	Critical	Credit	[3] Missing Initial Application
77345944	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
77345944	Non Critical	Compliance	[2] Initial GFE Missing
77345944	Non Critical	Compliance	[2] State - Missing Lock In Agreement
77345944	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
79938439	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
79938439	Non Critical	Compliance	[2] State - Missing Commitment Letter
79938439	Non Critical	Compliance	[2] State - Missing Mortgage Consumer Disclosure
79938439	Non Critical	Compliance	[2] State - Missing Rate Lock
78112605	Critical	Credit	[3] Missing Initial Application
78112605	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
78112605	Non Critical	Compliance	[2] State - Missing Affidavit of Borrower Under Residential Mortgage Act