EX-99.4 15 efc19-622_ex994s2b.htm SCHEDULE 2(B) - CONDITIONS REPORT
Client Name:
XXX
Client Project Name:
MCMLT 2019-GS1
Start - End Dates:
7/12/2019 - 6/7/2019
Deal Loan Count:
1,346
Report Run Date:
9/23/2019 2:08 PM
 
 
 
 
 
 
 
Conditions Report 2.0
 
 
 
 
 
 
 
 
 
 
Loans in Report:
1,346
 
 
 
Loans with Conditions:
1,110
 
 
 

Redacted Loan ID Loan ID XXX Loan ID Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type Cure Method Loan Status
BE4599C6-3F0C-457D-A555-72B86471BCA6 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
F3472A10-38EB-4F73-911D-07E6541C75FF XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
7AADC014-05E3-4F7C-B639-53724C3D8486 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
7AADC014-05E3-4F7C-B639-53724C3D8486 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing (No Data) (No Data) (No Data) Not Applicable Complete
7AADC014-05E3-4F7C-B639-53724C3D8486 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
050BB7FD-4C50-44CA-8EC0-C48DF4E34FA3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
E61B4CAB-F756-4AA5-B9CA-D3DA978024AC XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
DB3292EE-A8C8-4C85-82AE-113D4D96F017 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.375 HMDA Benchmark Rate 4.880 HMDA Benchmark/APR Variance 4.495 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
DB3292EE-A8C8-4C85-82AE-113D4D96F017 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
DB3292EE-A8C8-4C85-82AE-113D4D96F017 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DB3292EE-A8C8-4C85-82AE-113D4D96F017 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing XXX XXX Bill of Rights Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DB3292EE-A8C8-4C85-82AE-113D4D96F017 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing XXX Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
FD978508-30E6-4E98-8C8D-568AE08CF25D XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
AF8B9559-0ACA-40CC-A461-B5FB60EFABAE XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
4938A030-1C55-41E3-B075-E7B00406A55A XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
B3B13BD9-8754-4E17-A941-EA58965858CC XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
B3B13BD9-8754-4E17-A941-EA58965858CC XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of XXX, per XXX paystream calculations, finance charges are XXX,resulting in understated finance charges of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B3B13BD9-8754-4E17-A941-EA58965858CC XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
B3B13BD9-8754-4E17-A941-EA58965858CC XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
A743D177-5FAC-4254-8E55-7354D1624964 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A743D177-5FAC-4254-8E55-7354D1624964 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A743D177-5FAC-4254-8E55-7354D1624964 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
561B77EA-C09D-4068-9F4D-95CF2B73BD73 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
0F077F74-7296-48E4-8CF8-BEE66A1C0B9D XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
D45755E2-EC3A-4794-9D44-44641C380AC0 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
B63241F4-A8C8-440D-BBCA-79276E0B8467 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
B63241F4-A8C8-440D-BBCA-79276E0B8467 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
B63241F4-A8C8-440D-BBCA-79276E0B8467 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Borrower's Bill of Rights Not in File. (No Data) (No Data) (No Data) Not Applicable Complete
B63241F4-A8C8-440D-BBCA-79276E0B8467 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Consumer Caution/Homeownership Counseling Notice not in file. (No Data) (No Data) (No Data) Not Applicable Complete
AC0D8B34-0C50-4884-8160-01772DA81A28 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
AC0D8B34-0C50-4884-8160-01772DA81A28 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
B2E9804B-AA89-4F7E-9EFD-5813BACB96E3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
CEF55B43-9B3A-4F10-A994-8D650F5D1EC0 XXXXXX XXXXXX XXXXXX XXXXXX (No Data) (No Data) ATR/QM: Not Applicable A A A A                               Missing File; Unavailable for Review
2EB16A19-279B-4D22-8C69-DA588E5AAD6B XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
EB18DCB9-8E8E-4545-8958-82BE1DA15E8F XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
5434529B-F12E-4B57-85FF-21462D19BC5A XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower(s), unable to confirm timely delivery. (No Data) (No Data) (No Data) (No Data) Complete
357C5330-D0FF-4B59-AECA-2F416C83D9FB XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0056021B-7DE5-4EFA-9B4A-11D348851801 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0056021B-7DE5-4EFA-9B4A-11D348851801 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is XXX, the benchmark APR is XXX resulting in a difference of XXX. This exceeds the XXX spread trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
0056021B-7DE5-4EFA-9B4A-11D348851801 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
0056021B-7DE5-4EFA-9B4A-11D348851801 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
0056021B-7DE5-4EFA-9B4A-11D348851801 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
C612D49A-4C0F-40E8-8273-19BCDCC2978F XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
8EDCBDA7-AE57-4AC8-998B-CFAC32D9BC9B XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
3DD07430-EA55-401D-A125-72E5D3C279D0 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
70EB339F-3CA6-4996-A9E9-776EFC9C8175 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by XXX, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
70EB339F-3CA6-4996-A9E9-776EFC9C8175 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE XXX given after XXX days from application XXX. (No Data) (No Data) (No Data) Not Applicable Complete
70EB339F-3CA6-4996-A9E9-776EFC9C8175 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP959 MI Home Loans-Borrowers Bill of Rights Not Provided within 3 Business Days of Application No Application dated XXX, disclosure dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
70EB339F-3CA6-4996-A9E9-776EFC9C8175 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP965 MI Home Loans- Consumer Caution/Homeownership Counseling Notice Not Timely No Application dated XXX, disclosure dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
4C14F6D7-D0C7-41D6-9317-7F932CDE7B91 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4C14F6D7-D0C7-41D6-9317-7F932CDE7B91 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per Clayton pay stream calculations, finance charges are $XXX, resulting in understated finance charges of $-XXX. 6/14/2018 - XXX APR Win Calculation and XXX Calculations provided 6/19/2018 - Based on documents provided accrual method is simple interest actual/actual. P&I is insufficient to amortize. Exception remains.Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C9E22B34-94F9-4E5C-AD23-98F44B0494AD XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
DDE7A92F-FCB7-4B7F-A82F-6A35E3B232AA XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
7153A937-70E6-437D-8E44-FB88F8380C57 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
5BD243BE-CB74-4BF7-832A-82C8F5A668A3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
5BD243BE-CB74-4BF7-832A-82C8F5A668A3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) (No Data) Complete
5BD243BE-CB74-4BF7-832A-82C8F5A668A3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
41C7B078-521B-4D3F-A84C-6067B1535E75 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
41C7B078-521B-4D3F-A84C-6067B1535E75 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP957 Cannot confirm timely delivery of MI Home Loans - Borrowers Bill of Rights Disclosure No Borrower's Bill of Rights not dated. (No Data) (No Data) (No Data) Not Applicable Complete
41C7B078-521B-4D3F-A84C-6067B1535E75 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP963 MI Home Loans - Cannot confirm timely delivery of Consumer Caution/Homeownership Counseling Disclosure No Consumer Caution/Homeownership Counseling Notice not dated. (No Data) (No Data) (No Data) Not Applicable Complete
2A506129-1A77-43F3-931B-F4C4B183B3AB XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
2A506129-1A77-43F3-931B-F4C4B183B3AB XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
2A506129-1A77-43F3-931B-F4C4B183B3AB XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
5337434B-D49A-4D0A-A449-D514FB8F04CE XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
C4A1331B-8107-4090-94FD-E6E2F1EAF15A XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
C4A1331B-8107-4090-94FD-E6E2F1EAF15A XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No XXX Home Loans -Borrower's Bill of Rights Not in File (No Data) (No Data) (No Data) (No Data) Complete
C4A1331B-8107-4090-94FD-E6E2F1EAF15A XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No XXX Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File (No Data) (No Data) (No Data) (No Data) Complete
EA2D415E-35CA-40CD-B7EC-838161A58A3D XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
21165666-F9BD-450B-AABE-D6445D30F19D XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR/QM status determination XXX - XXX does not follow QM Rules, only ATR. Customer Backend XXX at XXX Has the Ability to Repay. Providing ATR Worksheet, and Account profile. XXX - satisfied. (No Data) Not Applicable Complete
21165666-F9BD-450B-AABE-D6445D30F19D XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowner's counseling disclosure (No Data) (No Data) (No Data) Not Applicable Complete
21165666-F9BD-450B-AABE-D6445D30F19D XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliated (No Data) (No Data) (No Data) Not Applicable Complete
21165666-F9BD-450B-AABE-D6445D30F19D XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing initial GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
21165666-F9BD-450B-AABE-D6445D30F19D XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights (No Data) (No Data) (No Data) Not Applicable Complete
21165666-F9BD-450B-AABE-D6445D30F19D XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice (No Data) (No Data) (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Missing Lender's ATR/QM status determination. Missing tri merge credit report, unable to determine if all debt was used XXX - Provided single score credit reportXXX - Provided single score credit report Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied B A B A CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Missing Lender's ATR/QM status determination. Missing tri merge credit report, unable to determine if all debt was used XXX- Provided ATR/QM status determination XXX - Received ATR/QM status determination (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title XXX- Property Report dated XXX provided XXX- Subject transaction date is XXX. Title at origination remains missing. (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No NMLS reflects loan originators middle initial, documents in file do not (No Data) (No Data) (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No NEW - Early TIL dated XXX; application date is XXX (No Data) (No Data) (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL XXX Final TIL provided XXX Exception satisfied (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL XXX Final TIL provided XXX Exception satisfied (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Satisfied D A D A CMPFDCP1661 TILA - Early TIL not in file No Missing early TIL XXX Early TIL provided XXX Exception satisfied (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Satisfied D A D A CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL 3/9/2017 Final TIL provided 3/9/2017 Exception satisfied (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Higher-Priced Active C B C B CMPFDHP2930 Federal higher-priced mortgage loan; not all ATR underwriting factors documented. No Missing Lender's ATR/QM status determination. Missing tri merge credit report, unable to determine if all debt was used XXX - Provided single score credit report Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Finance Charge Tolerance Active N/A B N/A B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No NEW - Finance charge understated by $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing homeownership counseling disclosure (No Data) (No Data) (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing affiliated business disclosure (No Data) (No Data) (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing initial GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance State Consumer Protection Active B B B B CMPSTCP959 MI Home Loans-Borrowers Bill of Rights Not Provided within 3 Business Days of Application No Missing XXX borrower's bill of rights provided within 3 days of appliication date (No Data) (No Data) (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance State Consumer Protection Active B B B B CMPSTCP965 MI Home Loans- Consumer Caution/Homeownership Counseling Notice Not Timely No Missing XXX homeownership counseling provided within 3 days of application date (No Data) (No Data) (No Data) Not Applicable Complete
35B76375-2836-40BE-BF31-BE509463E7A7 XXXXXX XXXXXX XXXXXX XXXXXX MI ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance TILA Active N/A B N/A B CMPTILA1953 Corrected TIL should have been provided, underdisclosed APR No NEW - Early TIL APR 6.2150%; APR per final TIL 7.6460%. Difference of 1.4310% exceeds 0.125% tolerance. Corrected TIL not provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C871BDCE-AA9B-4839-BBB2-D69C0C0E2298 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C9DC9ED8-E15B-4519-B991-F8237DA55BFC XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
6C917AEC-F677-4B76-9605-034C262C5416 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
45F2E211-688E-4FF3-8E63-DAC6730A7C43 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider to Mortgage. (No Data) (No Data) (No Data) (No Data) Complete
725163A8-BB67-4C4B-BB43-175D2FEB0B39 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
3F00791B-0AF0-4248-B9A1-23F9C4402E7F XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TILA - Final TIL not hand dated by borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
3F00791B-0AF0-4248-B9A1-23F9C4402E7F XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 none in file, unable to capture fees, missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
84C63C18-E9DB-424D-A2CC-E9B6539D4431 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
6F203D96-C667-40B8-AFEC-E6FEBBC9AF7F XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure date of XXX is more than 3 business days after the application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
6F203D96-C667-40B8-AFEC-E6FEBBC9AF7F XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure date of XXX is more than 3 business days after the application date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C345ACB-9CB1-46F4-8DEA-BD6E87D964BC XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors. Review DTI is XXX% and lender approval DTI is XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
8C345ACB-9CB1-46F4-8DEA-BD6E87D964BC XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing lender's ATR/QM status determination. (No Data) (No Data) (No Data) Not Applicable Complete
8C345ACB-9CB1-46F4-8DEA-BD6E87D964BC XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Documentation Active N/A B N/A B CMPDOC2858 TILA - Individual loan originator Name or ID missing from application. No NEW XXX- LO ID number missing from application, available on note and mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
8C345ACB-9CB1-46F4-8DEA-BD6E87D964BC XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Documentation Satisfied D A D A CMPDOC155 Application Missing No Application Missing 9/11/17 - application provided. 9/11/17 - satisfied (No Data) Not Applicable Complete
8C345ACB-9CB1-46F4-8DEA-BD6E87D964BC XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
8C345ACB-9CB1-46F4-8DEA-BD6E87D964BC XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No 1. CD issued XXX Closing information: Settlement Agent and file number is missing. 2. CD XXX Payoff Table, Payoffs and Payments the payees are not listed. (No Data) (No Data) Hybrid Not Applicable Complete
601F472B-51D7-4BF3-811D-69C507EC3B88 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
601F472B-51D7-4BF3-811D-69C507EC3B88 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
601F472B-51D7-4BF3-811D-69C507EC3B88 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) (No Data) Complete
601F472B-51D7-4BF3-811D-69C507EC3B88 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
601F472B-51D7-4BF3-811D-69C507EC3B88 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
601F472B-51D7-4BF3-811D-69C507EC3B88 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
794F9C6A-042A-45C0-9BD9-6565B995D22B XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
794F9C6A-042A-45C0-9BD9-6565B995D22B XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider to Mortgage. (No Data) (No Data) (No Data) (No Data) Complete
794F9C6A-042A-45C0-9BD9-6565B995D22B XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) (No Data) Complete
794F9C6A-042A-45C0-9BD9-6565B995D22B XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
794F9C6A-042A-45C0-9BD9-6565B995D22B XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
794F9C6A-042A-45C0-9BD9-6565B995D22B XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
274A0008-B75A-4F1B-AE2A-B20F4FFBCFF5 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable A A A A                               Complete
1A1C8182-595C-4A0B-890E-B686E3F64F32 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
5F8093C6-E84D-44E2-BCEF-398B701691B6 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No NEW XXX - Disclosure date by borrower XXX, application date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
5F8093C6-E84D-44E2-BCEF-398B701691B6 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Satisfied B A B A CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. XXX - disclosure provided. XXX - satisfied. (No Data) Not Applicable Complete
5F8093C6-E84D-44E2-BCEF-398B701691B6 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
5F8093C6-E84D-44E2-BCEF-398B701691B6 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active N/A B N/A B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No NEW XXX - Disclosure date by borrower XXX, application date is XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F8093C6-E84D-44E2-BCEF-398B701691B6 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Satisfied D A D A CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. XXX - disclosure provided XXX - satisfied (No Data) Not Applicable Complete
0DA09876-9CB3-45D3-9E0E-5264FE4FB6A3 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title at origination. (No Data) (No Data) (No Data) (No Data) Complete
0DA09876-9CB3-45D3-9E0E-5264FE4FB6A3 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrowers. (No Data) (No Data) (No Data) (No Data) Complete
0DA09876-9CB3-45D3-9E0E-5264FE4FB6A3 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No TIL disclosed finance charge $XXX, finance charge calculated by payment stream $66,850.09, variance $89.97. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
69F67762-42CF-489E-95BB-A1AD14F1B2DE XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
C96BE0F4-82C8-4D38-9F39-271E31A9289A XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No Application date of XXX, TIL in file Dated XXX. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
C96BE0F4-82C8-4D38-9F39-271E31A9289A XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C96BE0F4-82C8-4D38-9F39-271E31A9289A XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
430275C2-3A80-4B1F-B287-524AD86C3672 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A D A D Compliance Documentation Active N/A D N/A D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
8693030C-040D-4C50-8095-7356272B605E XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
B51E62A0-EAA5-4C98-938C-7552AD3225D5 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
990EAF2E-3AF7-4456-835F-B48BDF1EF684 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
374CA392-718B-40B4-9F9D-68B3303FF895 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
374CA392-718B-40B4-9F9D-68B3303FF895 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Balloon payment due to insufficient PI payment per note. (No Data) (No Data) (No Data) Not Applicable Complete
374CA392-718B-40B4-9F9D-68B3303FF895 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated by XXX due to insufficient PI payment per note. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
049A5747-0D27-4D07-9BDD-4501424D0C9C XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
1631267F-F522-43B2-804B-1B5D0C03315E XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TIL not dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
1631267F-F522-43B2-804B-1B5D0C03315E XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Final TIL has a pmt of XXX@XXX and the Note has XXX @XXX payments. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1631267F-F522-43B2-804B-1B5D0C03315E XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Sum of scheduled pmts not equal to Total of Payments due the Final TIL has a pmt of XXX@XXX and the Note has XXX @XXX payments. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3674BB13-9F51-4B03-BE6C-281BF1B81163 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
3674BB13-9F51-4B03-BE6C-281BF1B81163 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No XXX regular payment per TIL not equal to XXX Note Original P&I. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No XXX sum of scheduled payments is not equal to XXX Total of Payments per TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
6AED7866-132B-4E44-954D-C0F4875098FF XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4E93D90D-C0E8-42EE-B05A-48CD411C6858 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
5C0E2EE4-380A-4399-A643-3BD25BC0AEBB XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Missing ATR/QM worksheet (No Data) (No Data) (No Data) Not Applicable Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3572 TRID - Closing Disclosure: At least one section contains a disclosure that is not in accordance with the Regulation No 1. CD issued XXX, XXX Contact Information - File number and Settlement Agent missing Name, address, is missing. 2. CD: XXX, Section: Contact Information, the settlement agent is not listed. (No Data) (No Data) Non-Numeric Not Applicable Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Payoffs and Payments, the payee is not listed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3476 TRID - Written List of Providers not provided or untimely No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3552 TRID - Loan Estimate not timely No LE XXX not provided within 3 days of application date of XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3494 TRID - Loan Estimate Missing No Missing Loan Estimate. XXX - Provided Loan Estimate XXX - Received Loan Estimate. Exception satisfied (No Data) Not Applicable Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied N/A A N/A A CMPTRID3514 TRID - Loan Estimate: Dollar amount disclosed incorrectly or contains an unexpected value No (No Data) (No Data) Corrected on final CD, exception satisfied Numeric Not Applicable Complete
939D36D2-A8D3-462B-9390-B553A543CB65 XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied N/A A N/A A CMPTRID3999 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No NEW - Final CD XXX Calculating Cash to Close, Loan Estimate column reflects $0. This does not match the last LE XXX calculating cash to close table (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
F1F818BB-69C8-4498-AF8A-496D532C8161 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider to Mortgage. (No Data) (No Data) (No Data) (No Data) Complete
F1F818BB-69C8-4498-AF8A-496D532C8161 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) (No Data) Complete
EF61CE0C-A4E5-4C91-A251-38302B72CF5B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
EF61CE0C-A4E5-4C91-A251-38302B72CF5B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Per Note in file payment amount is XXX for a term of XXX payments based on XXX maturity date differs from TIL payment amount of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EF61CE0C-A4E5-4C91-A251-38302B72CF5B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Total of Payments per the Final TIL is XXX. Total of Payments per payment stream is XXX, for a discrepancy of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
251A105E-87F3-45EF-8F7B-A30C25258578 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
4403B224-C661-456D-8301-F44AD0AFBEAD XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
383676FA-AC6C-4028-9984-E6CECB336402 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.393% with HMDA Benchmark Rate of 4.280% causing variance of 3.113% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
383676FA-AC6C-4028-9984-E6CECB336402 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 Form Used in Refinance With Different Creditor (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1A709EDD-2379-49BB-8F94-994A7DED7B5F XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
16455873-41B8-4033-B1D7-A6B9FF28A59B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
8B5CF892-CA39-45D5-90C3-937E1042AB5D XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
8B5CF892-CA39-45D5-90C3-937E1042AB5D XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2C6B1830-9E65-495D-BC8C-8F656B19ABB9 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A7F0E288-5924-4B00-9D47-851722928834 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.659% with HMDA Benchmark Rate of 4.880% causing variance of 3.779% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A7F0E288-5924-4B00-9D47-851722928834 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A7F0E288-5924-4B00-9D47-851722928834 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Not a Balloon Payment. (No Data) (No Data) (No Data) Not Applicable Complete
A7F0E288-5924-4B00-9D47-851722928834 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL disclosed Finance Charge XXX. Paystream Finance Charge XXX. Difference of XXX exceeds maximum tolerance of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6B0488F9-04C5-417F-9D87-BF5F60E65512 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
B8AD44DA-098A-4663-9A31-F46365039877 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 6.290% with HMDA Benchmark Rate of 4.060% causing variance of 2.230% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
84A629EA-C39F-49D2-AFE4-4A00124E300E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
055028F9-D5CD-482E-9947-1A59461F4978 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.803% with HMDA Benchmark Rate of 4.560% causing variance of 3.243% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
06D4C79F-3A9F-4D76-AC55-B846E5C22F60 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
96D0F1EF-ECD0-43C2-B598-BA428E7F0BD9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Incomplete Note due to bottom of all pages cut off, unable to verify all information. (No Data) (No Data) (No Data) (No Data) Complete
96D0F1EF-ECD0-43C2-B598-BA428E7F0BD9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Satisfied D A D A CMPDOC1817 Final HUD-1 is incomplete or illegible No HUD1 is cut off at the bottom unable to determine cash to borrower. XXX - Final HUD-1 provided XXX- Exception satisfied (No Data) Not Applicable Complete
96D0F1EF-ECD0-43C2-B598-BA428E7F0BD9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.024%, HMDA benchmark rate 4.780%, variance 3.244% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
96D0F1EF-ECD0-43C2-B598-BA428E7F0BD9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Missing evidence Final TIL was executed by borrowers. (Page cut off at bottom) (No Data) (No Data) (No Data) Not Applicable Complete
96D0F1EF-ECD0-43C2-B598-BA428E7F0BD9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
45332BE6-1397-42B0-AB7B-89E17642079C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
45332BE6-1397-42B0-AB7B-89E17642079C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX%; HMDA benchmark rate XXX%. APR variance of XXX% exceeds XXX% threshold. (No Data) (No Data) (No Data) Not Applicable Complete
45332BE6-1397-42B0-AB7B-89E17642079C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
45332BE6-1397-42B0-AB7B-89E17642079C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 none in file, unable to capture fees, missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
45332BE6-1397-42B0-AB7B-89E17642079C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
363233F7-E3E7-411B-9AF1-12ADAF78A950 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
1E6089B6-5E6A-4063-88B7-5FC8BA6CFA54 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1251 IL SB 1167- Alternative Loan without PPP Not Offered - Fed Inst No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
1E6089B6-5E6A-4063-88B7-5FC8BA6CFA54 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B C B Compliance TILA Active B B B B CMPTILA1955 Corrected TIL should have been provided, overdisclosed APR No Corrected TIL should have been provided, XXX APR. (No Data) (No Data) (No Data) (No Data) Complete
0D564294-3F77-4D3E-BFF3-F20082F1F7B7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0D564294-3F77-4D3E-BFF3-F20082F1F7B7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CDCE3C58-1250-432A-8986-53A554D9D90E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CDCE3C58-1250-432A-8986-53A554D9D90E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
CDCE3C58-1250-432A-8986-53A554D9D90E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CDCE3C58-1250-432A-8986-53A554D9D90E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CDCE3C58-1250-432A-8986-53A554D9D90E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7111458B-9563-4646-BD54-B923E2620FD0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
1A1F1651-6D5D-46D6-8DC0-C3C136BBE26B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date XXXTest APR 8.963 HMDA Benchmark Rate 4.480 HMDA Benchmark/APR Variance 4.483 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
1A1F1651-6D5D-46D6-8DC0-C3C136BBE26B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
1A1F1651-6D5D-46D6-8DC0-C3C136BBE26B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
71911752-EC35-4A42-9822-040BA22C99BA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
ABE4FE58-9787-4849-97EC-390902B00AED XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
F3993D79-EBD8-4F36-9AE9-D3AD928BA197 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
FDBE76D6-0042-4498-A63A-AAD92F246ED8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
3BC75D91-CD45-4F95-8421-6F741AFC182B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Note is missing final page. (No Data) (No Data) (No Data) Not Applicable Complete
3BC75D91-CD45-4F95-8421-6F741AFC182B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3BC75D91-CD45-4F95-8421-6F741AFC182B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Due to missing TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
3BC75D91-CD45-4F95-8421-6F741AFC182B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL; final TIL in file is incomplete, missing APR, total of pmts, and payment stream/schedule. TIL dated XXX hss incorrect pmt amount and due date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
3BC75D91-CD45-4F95-8421-6F741AFC182B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to missing TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
3BC75D91-CD45-4F95-8421-6F741AFC182B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No XXX Form Used in Refinance With Original Creditor. Regulation XXX designates the XXX rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation XXX has language allowing the use of a substantially similar notice. Claytons view has been that an XXX protects the lender and assignee to at least the same extent as an XXX, but Clayton recognized that one could think that the mere existence of the XXX takes away the substantially similar notice argument. The majority of XXX that have opined on the issue have upheld the use of an XXX in a XXX-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level XXX Non-material condition. (No Data) (No Data) (No Data) Not Applicable Complete
3BC75D91-CD45-4F95-8421-6F741AFC182B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1251 IL SB 1167- Alternative Loan without PPP Not Offered - Fed Inst No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
B9741AB7-A31D-4344-A499-400503BC18A6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B9741AB7-A31D-4344-A499-400503BC18A6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8020C639-0063-4326-8F29-DBE0AA1E6A54 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Balloon payment due on insufficient P& I payment. (No Data) (No Data) (No Data) Not Applicable Complete
8020C639-0063-4326-8F29-DBE0AA1E6A54 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by XXX; Due to calculated final payment of XXX - TIL final payment of XXX = a difference of XXX plus Flood cert fee XXX, and Courier fee of XXX = XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6ADA6284-AD58-4EEB-89AF-147762AF8314 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B C B C Compliance Documentation Active N/A C N/A C CMPDOC101 Unresolved title issue Yes Lien position unclear. Appears intent was as 1st to pay off exiting first. See loan XXX, same borrower and property, was originated shortly prior to subject loan as 2nd to the existing first then. (No Data) (No Data) (No Data) Not Applicable Complete
6ADA6284-AD58-4EEB-89AF-147762AF8314 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B C B C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
914BA6C0-7E6F-4402-9E3E-E34CBDA5A9D2 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
09ABFE16-FDAC-474B-A6FA-4C9F72F63BB3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
14D5F234-4C29-47DD-AF99-525A6D04DE9F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
D1DC8FBC-5E6C-4D8A-8C27-9B3869BD2EE6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing ARM Rider and Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
D1DC8FBC-5E6C-4D8A-8C27-9B3869BD2EE6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D1DC8FBC-5E6C-4D8A-8C27-9B3869BD2EE6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
1C8C1E4D-D347-4A25-A89E-EC86C738D23B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title, Title in file not for subject. (No Data) (No Data) (No Data) Not Applicable Complete
A8B7FB15-357B-49E2-8750-533134FE3092 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
800B739D-3871-4327-9D77-337DCA4DC168 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7C30B16E-252D-4249-B37B-DE3A1437B4C6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7C30B16E-252D-4249-B37B-DE3A1437B4C6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7C30B16E-252D-4249-B37B-DE3A1437B4C6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D4AC8272-0FAA-4A77-BA31-1ECBB5949E63 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
1A276560-9BAA-451D-B067-202FE11C73B5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
DE9C91B3-5665-4F48-9689-5F07A3B28390 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1DED43AA-725E-43EE-A282-56DFEDB30867 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
6F15D103-7A3D-4586-BAA1-EF05AF20CD41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.211; HMDA benchmark rate 5.190. Variance of 4.021 exceeds 3.000 threshold. (No Data) (No Data) (No Data) Not Applicable Complete
6F15D103-7A3D-4586-BAA1-EF05AF20CD41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
6F15D103-7A3D-4586-BAA1-EF05AF20CD41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
27CDBB55-0705-48B4-9827-161294FA62B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.365% with HMDA Benchmark Rate of 3.250% causing variance of 4.403% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
27CDBB55-0705-48B4-9827-161294FA62B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Missing NMLS License # verification on application. (No Data) (No Data) (No Data) Not Applicable Complete
27CDBB55-0705-48B4-9827-161294FA62B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Written offer and declination of loan without prepay. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX - Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time. (No Data) Not Applicable Complete
7336FC1C-CCEE-4684-A7C1-686844E25852 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
7AB5AB9F-43FF-46AC-BA3A-2EF667082B7B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3276 Title document in file is incomplete Yes Title report does not contain schedule B. (No Data) (No Data) (No Data) Not Applicable Complete
7AB5AB9F-43FF-46AC-BA3A-2EF667082B7B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.997 HMDA Benchmark Rate 4.880 HMDA Benchmark/APR Variance 3.117 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
7AB5AB9F-43FF-46AC-BA3A-2EF667082B7B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
CD93510C-2384-4B29-A345-1679603E2B02 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes IL SB XXX Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
1116FA87-128E-42A3-AF75-1EFF60889F55 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
E093D803-C879-488F-8A6F-8BA090EE6028 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Insufficient pmt amount. (No Data) (No Data) (No Data) Not Applicable Complete
E093D803-C879-488F-8A6F-8BA090EE6028 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX, insufficient pmt amount. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E093D803-C879-488F-8A6F-8BA090EE6028 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
68922FE2-85F5-4F37-BA98-F5A4E478D213 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TILA - Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
68922FE2-85F5-4F37-BA98-F5A4E478D213 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Balloon by insufficient P&I (No Data) (No Data) (No Data) Not Applicable Complete
68922FE2-85F5-4F37-BA98-F5A4E478D213 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge under stated by$782.34. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68922FE2-85F5-4F37-BA98-F5A4E478D213 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file Yes XXX Database - No Cert of Compliance or Cert of Exemption in file (No Data) (No Data) (No Data) Not Applicable Complete
48953D03-3BAF-486B-946E-22452A9F7F20 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.075%, HMDA benchmark rate 5.00%, variance 5.075% exceeds 5.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
48953D03-3BAF-486B-946E-22452A9F7F20 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrowers, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
991EB280-CF5E-44F0-9665-09DD9B9CCDF9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
B9524F63-104A-492E-9CE5-04E4A01DAE97 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
B9524F63-104A-492E-9CE5-04E4A01DAE97 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Title evidence for subject lien not provided. (No Data) (No Data) (No Data) (No Data) Complete
7AF424D7-45A6-4AC9-BACE-FBD91971E9FC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
7AF424D7-45A6-4AC9-BACE-FBD91971E9FC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4921CD0B-02A3-4D6C-B5C0-D7EBF5A8FE22 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
99256674-7403-42CF-825B-57915BF1BC6F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXX HMDA Rate Spread Trigger 1.500 (No Data) (No Data) (No Data) Not Applicable Complete
9A6E1980-6605-43EE-9A3A-A76B32DC6002 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
3FA12396-0833-45CF-B6FF-DC4227D8344E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider to Mortgage. (No Data) (No Data) (No Data) (No Data) Complete
8BEA52E9-D810-4233-932D-5EFAA6FCF906 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
0FC4B921-C8D7-4541-9444-377A877AC147 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0FC4B921-C8D7-4541-9444-377A877AC147 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0FC4B921-C8D7-4541-9444-377A877AC147 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
9AC59759-4C17-47BD-90F4-A20074E27D8C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9AC59759-4C17-47BD-90F4-A20074E27D8C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
05477080-A178-4FE7-B28A-63D08DF7FC68 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
05477080-A178-4FE7-B28A-63D08DF7FC68 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
05477080-A178-4FE7-B28A-63D08DF7FC68 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
05477080-A178-4FE7-B28A-63D08DF7FC68 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 none in file, unable to capture fees, missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
05477080-A178-4FE7-B28A-63D08DF7FC68 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4C3D7312-9C95-49E7-A924-A94CC7F3ADA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4C3D7312-9C95-49E7-A924-A94CC7F3ADA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
4C3D7312-9C95-49E7-A924-A94CC7F3ADA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
A9CA043D-455A-4B2B-96D9-66B7AA3EB18C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A7459046-AADD-4AEE-8520-18A02A969D01 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
ED0F136D-1348-4AF0-8726-1F62EA46C2DA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
9260077B-F0A9-4292-AE61-65A5EE6BCCD0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
9260077B-F0A9-4292-AE61-65A5EE6BCCD0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E752C159-6A14-476C-A09E-AEB289112E0D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A0B6186A-1DED-4488-BB82-0059E79997D9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Final Title. (No Data) (No Data) (No Data) Not Applicable Complete
A0B6186A-1DED-4488-BB82-0059E79997D9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A0B6186A-1DED-4488-BB82-0059E79997D9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE given after 3 days from application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
A0B6186A-1DED-4488-BB82-0059E79997D9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception (No Data) (No Data) (No Data) Not Applicable Complete
A0B6186A-1DED-4488-BB82-0059E79997D9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Alternative Loan without PPP Not Offered. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX - Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
557884E6-DF86-4903-847C-EE4AA189CCE2 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
557884E6-DF86-4903-847C-EE4AA189CCE2 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Written offer of loan without prepay. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX - Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
EDBB4BCD-3B8A-4F32-9D3E-26EC73963045 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 6.543% with HMDA Benchmark Rate of 5.300% causing variance of 1.513% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
EDBB4BCD-3B8A-4F32-9D3E-26EC73963045 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP1681 TILA - TIL disclosure does not contain required notice No Final TIL missing verbiage "You are not required to complete this agreement merely because you have received these disclosures or signed a new loan application". (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EDBB4BCD-3B8A-4F32-9D3E-26EC73963045 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Lenders Early TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EDBB4BCD-3B8A-4F32-9D3E-26EC73963045 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Written offer and declination of loan without prepay. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." (No Data) (No Data) Not Applicable Complete
BBA1340B-7174-4C9D-90E9-E1830669F8D9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.675% with HMDA Benchmark Rate of 3.970% causing variance of 3.705% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
BBA1340B-7174-4C9D-90E9-E1830669F8D9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing XXX disclosure with alternative loan without PPP offered. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX - Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
04CD5865-9AF5-44D8-8CBA-CAB13D20C355 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
04CD5865-9AF5-44D8-8CBA-CAB13D20C355 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
C7DCBC20-AF9D-4C6A-B713-6B20EEF09BD7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C7DCBC20-AF9D-4C6A-B713-6B20EEF09BD7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Regular Payment XXX, Note original P&I XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C7DCBC20-AF9D-4C6A-B713-6B20EEF09BD7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Sum of scheduled payments equal XXX. Total payments XXX. Difference XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
54FDC7E2-75D9-4A67-A418-15202AE214FA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2113 TILA - Payment Schedule contains at least one error No '-Maximum Ever:Date [XXX] does not match Maximum Ever:XXX Calculated Date [XXX]-Maximum Ever:Principal + Interest Payment [XXX] does not match Maximum Ever:Clayton Calculated P&I [XXX]-Introductory Period (in Months) [1] does not match # Mos to First Rate change [2] (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
54FDC7E2-75D9-4A67-A418-15202AE214FA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
54FDC7E2-75D9-4A67-A418-15202AE214FA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA871 Adjusted Origination Charge does not equal Origination charge +/- credit/charge No Origination Charge (HUD-1): XXXAdjusted Origination Charge (HUD-1): XXXCredit/Charge for the Interest Rate Chosen (HUD-1): XXX (No Data) (No Data) (No Data) Not Applicable Complete
54FDC7E2-75D9-4A67-A418-15202AE214FA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Alternative Loan without PPP Not Offered XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
4071756D-52F1-41FF-8144-840F9D4B9086 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.251% with HMDA Benchmark Rate of 4.660% causing variance of 3.591% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4071756D-52F1-41FF-8144-840F9D4B9086 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TILA - Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
184E7AEF-75A5-4662-ABC8-2D95093E5DB1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DC6C1B63-104D-4C54-A536-468E375CB9D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
DC6C1B63-104D-4C54-A536-468E375CB9D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title at origination. (No Data) (No Data) (No Data) Not Applicable Complete
DC6C1B63-104D-4C54-A536-468E375CB9D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DC6C1B63-104D-4C54-A536-468E375CB9D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DC6C1B63-104D-4C54-A536-468E375CB9D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D2896AC4-63D3-4CE9-B75B-2183B60F354C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
D2896AC4-63D3-4CE9-B75B-2183B60F354C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
C1E04118-BA6F-4F8A-BB64-790ECDBAAE48 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender's initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
C1E04118-BA6F-4F8A-BB64-790ECDBAAE48 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered XXX- "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX - Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
55B43252-3D11-4666-BDC1-5CA8C098AC50 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
953A234D-B151-4053-8C3D-6F297741F1C3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
953A234D-B151-4053-8C3D-6F297741F1C3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application Date: XXX and the GFE Date Delivered: XXX (No Data) (No Data) (No Data) Not Applicable Complete
12E0A02A-E449-4239-9480-498FC7A3FAAC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
5C6F2353-0C16-484A-969E-8D31D917DF75 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
5C6F2353-0C16-484A-969E-8D31D917DF75 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5C6F2353-0C16-484A-969E-8D31D917DF75 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B600944D-9EAB-408F-9F64-E882977E98BF XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.090% with HMDA Benchmark Rate of 4.910% causing variance of 3.180% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
00B558A2-FC7E-4DC3-81B4-0B576E779906 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 6.258% with HMDA Benchmark Rate of 3.850% causing variance of 2.408% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
00B558A2-FC7E-4DC3-81B4-0B576E779906 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00B558A2-FC7E-4DC3-81B4-0B576E779906 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Written offer and declination of loan without prepay. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX- Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
6E5A377E-5440-44B7-A0DA-238E7D364D8C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
715BF2A5-4003-4E45-BEF2-E1B5A9146FBD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
C20DAC26-F847-4600-B191-6A3A87020A2B XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
41D26DD1-1EE6-4E97-B4A7-D7EB7DAC53C0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
41D26DD1-1EE6-4E97-B4A7-D7EB7DAC53C0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
41D26DD1-1EE6-4E97-B4A7-D7EB7DAC53C0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
41D26DD1-1EE6-4E97-B4A7-D7EB7DAC53C0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
41D26DD1-1EE6-4E97-B4A7-D7EB7DAC53C0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4A0F07B1-9B8C-4D0D-A6FF-ED1026FE4402 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
4A0F07B1-9B8C-4D0D-A6FF-ED1026FE4402 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC early disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4A0F07B1-9B8C-4D0D-A6FF-ED1026FE4402 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
82BBCF29-C058-4AC5-ABCC-40035FE55E1D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
103DFCE6-3B88-4F41-8D5D-8EFA76892C7E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
66423041-95E2-4EFB-AC13-56198E5C5D00 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active C B C B CMPMAN3016 TILA - Final TIL disclosure reflects loan terms that do not match the Note/Mortgage No Per note subject loan has a fixed rate; However per TIL subject is a Variable Rate loan.Prepayment section of TIL is blank. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
66423041-95E2-4EFB-AC13-56198E5C5D00 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
66423041-95E2-4EFB-AC13-56198E5C5D00 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Per Note, Loan is not a Balloon. Per TIL final payment was $XXX; however calculated final payment was $XXX = a difference of $XXX. (No Data) (No Data) (No Data) Not Applicable Complete
66423041-95E2-4EFB-AC13-56198E5C5D00 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX; due to calculated final payment of $XXX - The final payment stated on TIL of $XXX = a difference of $XXX + plus Flood cert $XXX and Courier fee of $XXX; Which equals $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CA81DF5F-E2E1-46EB-9372-414166360CE8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CA81DF5F-E2E1-46EB-9372-414166360CE8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
90F62489-1692-41C9-AB53-F2B41B823CE7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date is XXX. Early Disclosure dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
90F62489-1692-41C9-AB53-F2B41B823CE7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date is XXX. Early Disclosure dated XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
05DBCD9B-DF51-4B6C-B30E-DCB1A6C41898 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement Date is XXX. End of Rescission period is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
05DBCD9B-DF51-4B6C-B30E-DCB1A6C41898 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement Date is XXX. End of Rescission period is XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No '- Excessive DTI. Lender approved XXX%; review DTI is XXX%. - Missing verification of assets needed to close in the amount of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing lender's ATR/QM status determination. (No Data) (No Data) (No Data) Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Higher-Priced Active C B C B CMPFDHP2948 Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards No Federal Higher-priced mortgage loan - Appraisal does not meet HPML. Approved with AVM, indicates exterior inspection only, no interior inspection. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR in file is a re-disclosed version. Expiration date on ROR is XXX. Disbursement date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Right of Rescission Active C B C B CMPROR116 Incorrect ROR Form Used - Open-End form on Closed-End loan No Open-End form G8 used on Closed-End lender to lender refinance. Form H9 required. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CD issued XXX Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final Loan Estimate issued XXX Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No Closing Disclosure issued XXX & Post Close CD issued XXX: Calculating Cash to Close Section: Closing Cost Financed (Paid from your Loan Amount) do not match. Closing Disclosure issued XXX: Closing Costs Financed - Final, Value: XXX and XXX Calculation, Value:XXX. Post Close CD issued 03/04/16: Closing Costs Financed - Final, Value: XXX & XXX Calculation, Value: XXX. (No Data) (No Data) Numeric Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Post Close CD issued XXX Loan Costs Section B the payees are not listed for the Tax Service and Verification of Employment/Income. (No Data) (No Data) Hybrid Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No Closing Disclosure issued 12/31/15 & Post Close CD issued XXX: Closing Information Section: is missing the Settlement Agent and File Number information. (No Data) (No Data) Hybrid Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Exception satisfied. Zero Tolerance exception was disclosed and credited to borrower on Closing Disclosure issued XXX for an amount of $XXX. Verification of employment increased. (No Data) Exception satisfied. Zero Tolerance exception was disclosed and credited to borrower on Closing Disclosure issued 03/04/16 for an amount of $15.16. Verification of employment increased Numeric Not Applicable Complete
47F6589A-5FD8-44DA-A70D-D2D2E7CAEC91 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4261 TRID - CD: The Loan Amount value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number or is zero No 1. Exception satisfied. Post Close CD issued XXX corrected the Loan Amount value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number or is zero as indicated on Closing Disclosure issued XXX. 2. Exception satisfied. Post Close CD issued on XXX corrects this error. Closing Disclosure issued XXX Payoff and Payments Line 1 the payee is not listed. (No Data) 1. Exception satisfied. Post Close CD issued XXX corrected the Loan Amount value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number or is zero as indicated on Closing Disclosure issued XXX. 2. Exception satisfied. Post Close CD issued on XXX corrects this error. Closing Disclosure issued XXX Payoff and Payments Line 1 the payee is not listed. Numeric Not Applicable Complete
E62334E4-52F6-4887-8586-BA2CB62B1696 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
93A7A51A-51EE-4E8C-84A2-81C4D4308874 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93A7A51A-51EE-4E8C-84A2-81C4D4308874 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3276 Title document in file is incomplete Yes Title Incomplete, missing pages 1-4 and 6-9. (No Data) (No Data) (No Data) Not Applicable Complete
93A7A51A-51EE-4E8C-84A2-81C4D4308874 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed but is not dated by the Borrower. (No Data) (No Data) (No Data) Not Applicable Complete
93A7A51A-51EE-4E8C-84A2-81C4D4308874 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
93A7A51A-51EE-4E8C-84A2-81C4D4308874 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
93A7A51A-51EE-4E8C-84A2-81C4D4308874 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CA60FEE3-52B3-42A8-A98B-1282E1BFD9B6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
E172000D-EF9B-4773-A307-202C30A231B6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Missing HELOC Early Disclosure page 2 with Date. (No Data) (No Data) (No Data) Not Applicable Complete
E172000D-EF9B-4773-A307-202C30A231B6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No Missing HELOC Early Disclosure page 2 with Date. (No Data) (No Data) (No Data) Not Applicable Complete
E172000D-EF9B-4773-A307-202C30A231B6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3186 TILA - HELOC Exceeds APR Tolerance >0.125 No Difference APR FD/APR Review 0.1292 Tolerance 0.125% (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1663C3E0-0692-4B2E-AC88-2A4B7FE07F4A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
BB75C87F-A532-47B9-AFCA-B9022EEA2F61 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
BBBE868B-E8CC-44F4-AB21-4496093DB198 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final Hud1 (No Data) (No Data) (No Data) Not Applicable Complete
A96AAE3C-0715-4AA4-9A2B-349D1DE46E73 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
53EC3B7D-7A99-4B7B-BC9F-82784D39AD0B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
53EC3B7D-7A99-4B7B-BC9F-82784D39AD0B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application dated XXX, GFE dated XXX-GFE given after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
ADB29592-1E2A-4426-AA37-61D59C933FE3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 7.853 HMDA Benchmark Rate 4.590 HMDA Benchmark/APR Variance 3.263 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
ADB29592-1E2A-4426-AA37-61D59C933FE3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand date by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
60E5054A-1F27-49C7-8DAF-1D61987ED143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.752 - HMDA Benchmark Rate 4.420 = HMDA Benchmark/APR Variance 4.332 which exceeds the max HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B58FE9F3-EF11-422A-B6BB-4CFFCB7AC1EA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing 1-4 family rider. Property is a owner occupied 2 family. (No Data) (No Data) (No Data) Not Applicable Complete
B58FE9F3-EF11-422A-B6BB-4CFFCB7AC1EA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A77B0959-6007-4A97-A83C-E71B6025D2EF XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No H8 Form Used in Refinance With Original Creditor (No Data) (No Data) (No Data) Not Applicable Complete
5B4BC716-93AA-472D-88C0-86A94094DF6C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5B4BC716-93AA-472D-88C0-86A94094DF6C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2113 TILA - Payment Schedule contains at least one error No '-Maximum Ever:Date [XXX] does not match Maximum Ever:XXX Calculated Date [XXX]-Maximum Ever:Principal + Interest Payment [XXX] does not match Maximum Ever:XXX Calculated P&I [XXX]-Introductory Period (in Months) [0] does not match # Mos to First Rate change [1] (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5B4BC716-93AA-472D-88C0-86A94094DF6C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5B4BC716-93AA-472D-88C0-86A94094DF6C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered. PPP Expired. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX." XXX - Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
FF432DEC-3405-481C-8694-5C50F89A7115 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active C B C B CMPFDCP2113 TILA - Payment Schedule contains at least one error No '-Maximum Ever:Date [XXX] does not match Maximum Ever:XXX Calculated Date [XXX]-Maximum Ever:Principal + Interest Payment [XXX] does not match Maximum Ever:XXX Calculated P&I [XXX] (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FF432DEC-3405-481C-8694-5C50F89A7115 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing evidence an alternative loan offered without a PPP.. XXX - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after XXX. Loans originated prior to XXX may be subject to a prepayment penalty or early termination fee if the contract states these terms.""XXX." XXX - Subject contract(note) includes a PPP and was originated prior to XXX. Exception to remain at this time, no evidence of a non-PPP loan offered to borrower provided. (No Data) Not Applicable Complete
B8AFBCD2-3C1B-43CA-82B2-1AE5F41C982A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
43367EEF-B68A-4D11-A9F8-5F90B3EA4AC7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
BB337F1E-9E34-409C-9CBE-F88BB443C3D5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
5FDBD286-F4F3-478A-9036-D0864C996D00 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TILA - Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
5FDBD286-F4F3-478A-9036-D0864C996D00 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application dated 6/27/01, GFE dated 7/2/01. (No Data) (No Data) (No Data) Not Applicable Complete
5FDBD286-F4F3-478A-9036-D0864C996D00 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B. (No Data) (No Data) (No Data) Not Applicable Complete
EA0A25A5-80C6-45D5-A73E-EBA86EA5813E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No APR Per TIL 9.6970%; APR per pay stream 10.0348%, variance of - .3378 % exceeds maximum allowed of .125% (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EA0A25A5-80C6-45D5-A73E-EBA86EA5813E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date XXX Test APR 10.035 HMDA Benchmark Rate 4.940 HMDA Benchmark/APR Variance 5.095 HMDA Rate Spread Trigger 5.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
EA0A25A5-80C6-45D5-A73E-EBA86EA5813E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7E9D5349-10EB-4944-8A1E-16441B9909FF XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
7E0A52B2-28F4-490E-8A8A-9852ECAE6FD2 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
2CE601A5-2FC1-4D01-A31E-FD06FC0B47CC XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2CE601A5-2FC1-4D01-A31E-FD06FC0B47CC XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2CE601A5-2FC1-4D01-A31E-FD06FC0B47CC XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2CE601A5-2FC1-4D01-A31E-FD06FC0B47CC XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2CE601A5-2FC1-4D01-A31E-FD06FC0B47CC XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81B3DFA7-FD5C-426E-8815-798E2B0AD9D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81B3DFA7-FD5C-426E-8815-798E2B0AD9D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
81B3DFA7-FD5C-426E-8815-798E2B0AD9D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
81B3DFA7-FD5C-426E-8815-798E2B0AD9D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charge understated by $XXX; Missing TIL itemization unable to determine. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
81B3DFA7-FD5C-426E-8815-798E2B0AD9D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1 none in file, unable to capture fees, missing GFE. XXX - Received HUD1 XXX- Exception satisfied (No Data) Not Applicable Complete
81B3DFA7-FD5C-426E-8815-798E2B0AD9D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81B3DFA7-FD5C-426E-8815-798E2B0AD9D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active N/A B N/A B CMPROR2043 Cannot determine if funding date is after rescission period No New: Missing funding date (No Data) (No Data) (No Data) Not Applicable Complete
BCBDDF18-5FD9-4C9F-BBFE-FC241F3188FA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BCBDDF18-5FD9-4C9F-BBFE-FC241F3188FA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. 1st mortgage info at origination not available. Per recent title report, subject is only mortgage lien. (No Data) (No Data) (No Data) Not Applicable Complete
BCBDDF18-5FD9-4C9F-BBFE-FC241F3188FA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BCBDDF18-5FD9-4C9F-BBFE-FC241F3188FA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BCBDDF18-5FD9-4C9F-BBFE-FC241F3188FA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No MN PPP is Lesser of 2% of UPB or 60 days interest on UPB. PPP on Note is for a fixed dollar amount. PPP expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
BCBDDF18-5FD9-4C9F-BBFE-FC241F3188FA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
50DD9571-1E53-4478-9515-E19104FA3BB8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A B A B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No MN Home Loan-Prohibited Prepayment Penalty. (No Data) (No Data) (No Data) Not Applicable Complete
3292428B-16E0-4076-B961-89B2629111CB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by Borrowers (No Data) (No Data) (No Data) Not Applicable Complete
3292428B-16E0-4076-B961-89B2629111CB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable Complete
C872E7D5-742C-407C-8E0F-C8A9475CEB9B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
3EA7EF55-B9C4-49E0-AED8-05E8A8E1026F XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
3EA7EF55-B9C4-49E0-AED8-05E8A8E1026F XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing MN Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E090B140-9038-4425-9EBE-6952E5FE90E8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prepayment Penalty per HELOC Agreement is a specific amount of $XXX if the line is closed within the first 3 years of the interest start date. PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
9EB1E160-0477-4764-960B-D993B8CF551B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No XXX Home Loan-Prohibited Prepayment Penalty. PPP expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
34065EDB-D347-4707-9310-E9FC453A9ECB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
34065EDB-D347-4707-9310-E9FC453A9ECB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No OPB per Note is XXX; final TIL reflects amount financed as XXX. (No Data) (No Data) (No Data) Not Applicable Complete
34065EDB-D347-4707-9310-E9FC453A9ECB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34065EDB-D347-4707-9310-E9FC453A9ECB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D0370AE9-8988-4442-B151-742C74D8A4C0 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prepayment Penalty per HELOC Agreement is a specific amount of $XXX if the line is closed within the first 3 years. PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
489528E5-EDFD-415B-A281-F336644A2DA5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
B3254A10-8BA8-418F-8CA8-684D9F00F2EA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
B3254A10-8BA8-418F-8CA8-684D9F00F2EA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing MN Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
86012693-2A62-42D6-B2D5-4F7B8A109F13 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No MN Home Loan-Prohibited Prepayment Penalty - Fed Inst PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
B9B11F60-5C90-4EF7-AA3B-305547C4FB79 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
4EA206A8-F9B4-46C3-9B16-BFBCB90A8940 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
FE969298-0421-4FED-B9E6-AD40AD0FE0D5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
FE969298-0421-4FED-B9E6-AD40AD0FE0D5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FE969298-0421-4FED-B9E6-AD40AD0FE0D5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
7E064A83-B5F5-4411-AE66-91216F5FE10E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not dated by the borrowers. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7E064A83-B5F5-4411-AE66-91216F5FE10E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of XXX, per XXX paystream calculations, finance charges are XXX, resulting in understated finance charges of XXX. Unable to determine source of understatement. There is a discrepancy between the Note-stated P&I (XXX) and the Clayton-calculated P&I (XXX). (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0B5C3B3B-6086-46B0-91F9-39D125FFCCFF XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
CCB41C3F-B84D-407B-B852-6F63BD2B8109 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No HELOC Early Disclosure is incomplete. Missing p. 2 of Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CCB41C3F-B84D-407B-B852-6F63BD2B8109 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No XXX Home Loan-Prohibited Prepayment Penalty - Fed Inst -PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
CCB41C3F-B84D-407B-B852-6F63BD2B8109 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No HELOC Early Disclosure is incomplete. Missing p. 2 of Early HELOC Disclosure, cannot determine if provided timely. (No Data) (No Data) (No Data) Not Applicable Complete
CCB41C3F-B84D-407B-B852-6F63BD2B8109 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure is incomplete. Missing p. 2 of Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FA7F8E10-83C8-4F50-8011-51191755A3D4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
5228CFDD-74E6-40C3-B910-207EC31B3F91 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5228CFDD-74E6-40C3-B910-207EC31B3F91 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prepayment Penalty per HELOC Agreement is a specific amount of $XXX if the line is closed within the first 3 years of the interest start date. PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
5228CFDD-74E6-40C3-B910-207EC31B3F91 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CBBAEC9F-CA68-444E-8EB9-7C82D2E19149 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
FF797B29-869B-4386-8BFE-49C12A49669A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A B A B Compliance Repayment Ability Active N/A B N/A B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing repayment ability worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
FF797B29-869B-4386-8BFE-49C12A49669A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A B A B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
CBF782BB-7CB6-4060-AF15-167982DE090E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
CBF782BB-7CB6-4060-AF15-167982DE090E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DF530E3A-95D0-49E5-8CE8-29D28A0E0CF7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
DF530E3A-95D0-49E5-8CE8-29D28A0E0CF7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
424A1838-B717-40F3-8BE1-75E699024E47 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
424A1838-B717-40F3-8BE1-75E699024E47 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing MN Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C3A2B8F3-1AB8-4418-9B2A-01E0331E4249 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TIL Date: XXXApplication Date: XXX (No Data) (No Data) (No Data) Not Applicable Complete
C3A2B8F3-1AB8-4418-9B2A-01E0331E4249 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
C3A2B8F3-1AB8-4418-9B2A-01E0331E4249 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE Date: XXXApplication Date: XXX (No Data) (No Data) (No Data) Not Applicable Complete
9EA1D82F-0827-4880-A31F-B570C1C459B5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
B1E46CF8-1E22-4FFD-9971-9E05D6865F66 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A C A                               Complete
0D1C1D4C-A9A4-4AE8-882D-9E4A0525CC60 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0D1C1D4C-A9A4-4AE8-882D-9E4A0525CC60 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0D1C1D4C-A9A4-4AE8-882D-9E4A0525CC60 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0D1C1D4C-A9A4-4AE8-882D-9E4A0525CC60 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0D1C1D4C-A9A4-4AE8-882D-9E4A0525CC60 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BDFDA270-0491-4B2C-A8B9-4117CB61BEDD XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
BDFDA270-0491-4B2C-A8B9-4117CB61BEDD XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Oral Tax / Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
3F02FD5B-00DF-41AE-BAC5-9CB147B53DE5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1535 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst No Prepayment Penalty per HELOC Agreement is a specific amount of $XXX if the line is closed within the first 3 years of the interest start date, but will not be charged if loan is refinanced or due on the sale of the home. PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
B90CA8E9-44C7-4F12-8709-39BC8A6293F7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prepayment Penalty is prohibited, PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
B90CA8E9-44C7-4F12-8709-39BC8A6293F7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1535 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst No Maximum Penalty (percent) 1.750% Maximum Penalty (months interest) 3.120 PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
3DAE1B19-8FC0-4DAD-9FAB-604E81B3B598 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
C541A3F6-BDCF-463F-B5B6-6E8758C179BD XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
C541A3F6-BDCF-463F-B5B6-6E8758C179BD XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
C541A3F6-BDCF-463F-B5B6-6E8758C179BD XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C541A3F6-BDCF-463F-B5B6-6E8758C179BD XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax and Insurance disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5F0208D7-713F-495D-A858-3B0A76857BFE XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
5F0208D7-713F-495D-A858-3B0A76857BFE XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
5F0208D7-713F-495D-A858-3B0A76857BFE XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR transaction date is XXX; ROR expiration date is XXX. Disbursement date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
3C2DEB43-B4B1-4110-AD1F-FA9B9C17D184 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
3C2DEB43-B4B1-4110-AD1F-FA9B9C17D184 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) (No Data) Complete
49AE600C-B3C1-4761-9520-6D204BD30C6A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
BD3ADB10-7474-441B-A7A3-F9078BE204DA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
87E36020-3A87-4A65-A0D1-BF2A00AEDF7F XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
C6531728-A6F1-47E2-A615-6B85F260023C XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
6AD24077-9C84-4425-973C-4D7C70AB6BEB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Incomplete HELOC Early Disclosure. The document on file is only page #1; it is missing page #2. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
82E8A5B7-2025-4F6F-92DD-C355C6CF37DC XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A B A B Compliance Repayment Ability Active N/A B N/A B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment ability worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
82E8A5B7-2025-4F6F-92DD-C355C6CF37DC XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A B A B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1E014AD3-0606-4311-82D1-88C0F6714317 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1E014AD3-0606-4311-82D1-88C0F6714317 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
1E014AD3-0606-4311-82D1-88C0F6714317 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1E014AD3-0606-4311-82D1-88C0F6714317 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1E014AD3-0606-4311-82D1-88C0F6714317 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No PPP prohibited by state law. PPP expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
1E014AD3-0606-4311-82D1-88C0F6714317 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D00D3A93-3151-40CE-9C5E-FEE903E8EC66 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D00D3A93-3151-40CE-9C5E-FEE903E8EC66 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No HELOC has a PPP for specific dollar amount within 3 years. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
D00D3A93-3151-40CE-9C5E-FEE903E8EC66 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E93D6392-992A-402C-8150-FA6DB58AEC74 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
E93D6392-992A-402C-8150-FA6DB58AEC74 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) (No Data) Complete
E93D6392-992A-402C-8150-FA6DB58AEC74 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
CF74CCB9-16BD-47D4-B932-E781931E3975 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Regular Payment per TIL is XXX and it's not equal to Note Original P&I of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Sum of scheduled pmts not equal to Total of Payments (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX; insufficient PI pmt. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
E3BC57A9-2F66-4C09-B191-D69E3D723F06 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F2298BDF-D3BD-45EA-9C74-214569FE214A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet is Not in File. (No Data) (No Data) (No Data) Not Applicable Complete
F2298BDF-D3BD-45EA-9C74-214569FE214A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D6FF9D32-7994-4E12-91E2-6D135BA995F4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
4F68BC11-2D41-4C4B-B560-D35B1B743E0C XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A B A                               Complete
CCF5AD5F-62EA-4A1F-9FE4-0F919B59DB22 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
954FC1BE-C65B-470C-8773-B00DE32442C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
75145E88-6430-4223-814E-D093AAB9022B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
C78612A6-C993-41EB-8355-B5C2E207AB3E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
931F41B7-48E2-4728-94B9-1576793B2072 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
B96D43F3-C44F-44E7-A97C-A97EC99C1380 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
E5486724-A7E9-4291-8C55-77389397B442 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
FB137831-80E3-48B4-8F04-1BE115E56072 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FB137831-80E3-48B4-8F04-1BE115E56072 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
FB137831-80E3-48B4-8F04-1BE115E56072 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
FB137831-80E3-48B4-8F04-1BE115E56072 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FB137831-80E3-48B4-8F04-1BE115E56072 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FB137831-80E3-48B4-8F04-1BE115E56072 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5610A5BE-27FF-4D88-AAE7-AA1FD4C74F40 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
0497AC4E-8E5C-4D74-BA79-5A71F4593E93 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
83DFD79F-9CD3-491B-9B14-3F516E7A3178 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
83DFD79F-9CD3-491B-9B14-3F516E7A3178 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC early disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
83DFD79F-9CD3-491B-9B14-3F516E7A3178 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
83DFD79F-9CD3-491B-9B14-3F516E7A3178 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B1D1804E-0750-49AD-BEF1-1BE414A88BD7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
F9A4E7A3-5088-42F0-9EBA-6FCF4F923DC4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
33FF662F-4683-4CFF-AD95-9818320F8277 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
275BA727-5FB1-40C2-AA00-F7DD1638AF0F XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
FF1357EA-9478-42FD-B850-24545EB495F3 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A22160C4-BADD-4FD7-91ED-7C2494B1F7FF XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing pages 3-10 of the note. (No Data) (No Data) (No Data) Not Applicable Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC disclosure (No Data) (No Data) (No Data) Not Applicable Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E25EC9DB-0D10-4AE1-B435-C4C84AE570EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3194 TILA - HELOC Final Note Disclosure (FND) Missing or Incomplete No Incomplete HELOC Final Note Disclosure (FND) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1F81BB2-6337-48C0-BE2E-54E33E45CF93 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
E1F81BB2-6337-48C0-BE2E-54E33E45CF93 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax and Insurance disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B2836916-D27D-476C-BF15-DE478EADDC31 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B2836916-D27D-476C-BF15-DE478EADDC31 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B2836916-D27D-476C-BF15-DE478EADDC31 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B2836916-D27D-476C-BF15-DE478EADDC31 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B2836916-D27D-476C-BF15-DE478EADDC31 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prohibited Prepayment Penalty, PPP expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
B2836916-D27D-476C-BF15-DE478EADDC31 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F98A8DA4-7133-4CA6-B5B9-41663B169881 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
9ADA3394-6E9E-4624-8A13-25456BEE91A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
9ADA3394-6E9E-4624-8A13-25456BEE91A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing MN Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
ED6F041F-C798-4C95-A2AA-EE275630273B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
ED6F041F-C798-4C95-A2AA-EE275630273B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1535 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst No Prepayment Penalty per HELOC Agreement is a specific amount of $XXX if the line is closed within the first 3 years of the date of the Agreement. Termination fee will be waived in the case of a same-lender refinance. PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
ED6F041F-C798-4C95-A2AA-EE275630273B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing MN Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5A7350EB-ABF3-41D3-A240-32BC43AFE1EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
5A7350EB-ABF3-41D3-A240-32BC43AFE1EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing lender analysis of repayment ability in file. (No Data) (No Data) (No Data) Not Applicable Complete
5A7350EB-ABF3-41D3-A240-32BC43AFE1EB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D0D5FA58-8417-4CBF-AA9E-10ABAE0E4429 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Active B B B B CMPDOC2860 TILA - Loan Originator Organization Name or ID missing from application. No Missing Loan Originator Organization ID from application. (No Data) (No Data) (No Data) Not Applicable Complete
D0D5FA58-8417-4CBF-AA9E-10ABAE0E4429 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Application reflects no middle name or middle initial for the loan officer, the XXX registry reflects a full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
525E7849-D8A5-4D27-A980-72210FBBBBAA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
525E7849-D8A5-4D27-A980-72210FBBBBAA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) (No Data) Complete
77EF6C40-C435-4BDB-B543-1ED1E50A445B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
77EF6C40-C435-4BDB-B543-1ED1E50A445B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active N/A B N/A B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing repayment ability worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
77EF6C40-C435-4BDB-B543-1ED1E50A445B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax and Insurance disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
01878B52-4B0E-446F-A5D3-3F0EC59339B4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Final Title has lien paid off listed under Schedule B (No Data) (No Data) (No Data) Not Applicable Complete
01878B52-4B0E-446F-A5D3-3F0EC59339B4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
3048C45E-32EC-46FE-9FDA-703BB83F5009 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
3048C45E-32EC-46FE-9FDA-703BB83F5009 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) (No Data) Complete
3048C45E-32EC-46FE-9FDA-703BB83F5009 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
3048C45E-32EC-46FE-9FDA-703BB83F5009 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing Good Faith Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3048C45E-32EC-46FE-9FDA-703BB83F5009 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 none in file, unable to capture fees, missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
3048C45E-32EC-46FE-9FDA-703BB83F5009 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
F5E98931-E747-4539-93D1-4EB21C0CB4D9 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Excessive DTI. Lender approved DTI XXX%; review DTI is XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
F5E98931-E747-4539-93D1-4EB21C0CB4D9 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing lender's ATR/QM status determination. (No Data) (No Data) (No Data) Not Applicable Complete
F5E98931-E747-4539-93D1-4EB21C0CB4D9 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet - Fed Inst. (No Data) (No Data) (No Data) Not Applicable Complete
F5E98931-E747-4539-93D1-4EB21C0CB4D9 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No RESPA - List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
F5E98931-E747-4539-93D1-4EB21C0CB4D9 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure - Fed Inst. (No Data) (No Data) (No Data) Not Applicable Complete
F5E98931-E747-4539-93D1-4EB21C0CB4D9 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No 1.) Closing Disclosure issued XXX: Closing Information Section did not provide a Settlement Agent or File Number. 2.) Closing Disclosure issued XXX: Payoffs and Payments table line 1 the payee is not listed. (No Data) (No Data) Hybrid Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Excessive DTI. Lender approved XXX%; review DTI is XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing lender's ATR/QM status determination. (No Data) (No Data) (No Data) Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Legal docs reflect a first and last name; XXX reflects a middle initial and middle name. (No Data) (No Data) (No Data) Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet - Fed Inst (No Data) (No Data) (No Data) Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure - Fed Inst (No Data) (No Data) (No Data) Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No CD issued XXX Closing Information missing Settlement Agent and File number. (No Data) (No Data) Hybrid Not Applicable Complete
E520E6BC-88C1-49FF-AE90-D34881076BD0 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided Yes A XXX percent tolerance for the Verification of Employment/Income increasing between the LE issued XXX $XXX and the CD issued XXX has been noticed. A credit of $XXX has been issued. Please provide COC for verification increase on LE dated XXX (No Data) (No Data) Numeric Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM status determination XXX Ability to Repay on Closed-end 1st mortgages, part of Reg Z, effective XXX and uses Ability to Pay Worksheet. Ability to Pay Worksheet Final will be found in loan file for all applicable loans. XXX does not operate under all Qualified Mortgage rules; specifically the DTI limitation of 43%. XXX - Satisfied. (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4395 Flood Insurance - Property requires flood insurance; no evidence that the premiums are escrowed. No Missing proof of flood insurance being escrowed in 1st lien (No Data) (No Data) (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No The application reflects no middle name or middle initial for the loan officer, the NMLS registry reflects a full first name and middle initial. (No Data) (No Data) (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance Federal Higher-Priced Active C C C C CMPFDHP2948 Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards Yes Appraisal did not include an Internal property inspection XXX - Full Appraisal not required on Loss Mitigation Transactions XXX - exception to remain at this time. (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet (No Data) (No Data) (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance (No Data) (No Data) (No Data) Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD XXX Calculating Cash to Close Table (Loan Estimate column) does not match any Loan Estimate (Calculating Cash to Close sections) provided. (No Data) (No Data) Non-Numeric Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No CD: XXX, Section: Closing Information, Field: Settlement Agent, File # and borrower address not listed. (No Data) (No Data) Hybrid Not Applicable Complete
AA53FFEC-3AFA-478E-B26C-E6C5E2BFE058 XXXXXX XXXXXX XXXXXX XXXXXX MN Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4801 TRID - LE: In 5 Years: Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. No LE dated XXX in the Comparison section, the In 5 Years Total P&I is underdisclosed by $XXX. The condition is valid; however, the TOP is within tolerance. CMPTRID4801 can be downgraded to a Satisfied B. (No Data) (No Data) Numeric Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM status determination XXX - Ability to Repay on Closed-end 1st mortgages, part of Reg Z, effective XXX. XXX implemented and uses Ability to Pay Worksheet. Ability to Pay Worksheet Final will be found in loan file for all applicable loans. XXX does not operate under all Qualified Mortgage rules; specifically the DTI limitation of 43%. 6/20/18 - Satisfied. (No Data) Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance Federal Higher-Priced Active C C C C CMPFDHP2948 Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards Yes Appraisal did not include an internal inspection XXX - Full Appraisal not required on Loss Mitigation Transactions XXX - exception to remain at this time. (No Data) Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing NTB worksheet (No Data) (No Data) (No Data) Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowners Counseling Lists. (No Data) (No Data) (No Data) Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4279 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table (Alt Version) contain the same values for Total Closing Costs but Did This Change? = Yes No CD XXX Calculating Cash to Close Section Total Closing Costs (J), both LE and CD were $0 but change reflects yes along with credit for exceeding legal limit (No Data) (No Data) Non-Numeric Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No CD XXX Closing Information Section missing Settlement Agent, File Number and Property Address (No Data) (No Data) Hybrid Not Applicable Complete
B57AE9DD-033D-43A3-8C48-9F8B865F5518 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4801 TRID - LE: In 5 Years: Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. No LE dated XXX in the Comparison section, the In 5 Years Total P&I is underdisclosed by $XXX. The condition is valid. However, the TOP tolerance is within tolerance. CMPTRID4801 can be downgraded to a Satisfied B (No Data) (No Data) Numeric Not Applicable Complete
C0BFD09F-4C4B-4F18-84C7-6508B8E736A6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
23EC97F8-580A-4B3B-8E7F-CF597F2F3DD8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A C A                               Complete
1597DC2D-B9CB-4EB7-8E4F-5486BE6AE948 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
31EDF2A4-FBEC-47D7-9524-431C03C49F35 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
912DD1FA-60B2-422C-8FDB-18BA644D0902 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
912DD1FA-60B2-422C-8FDB-18BA644D0902 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B. (No Data) (No Data) (No Data) Not Applicable Complete
270A3065-F1DC-45E6-8684-ABD211C20FF6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
270A3065-F1DC-45E6-8684-ABD211C20FF6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date is XXX which is before disclosed "midnight of" date XXX. (No Data) (No Data) (No Data) Not Applicable Complete
270A3065-F1DC-45E6-8684-ABD211C20FF6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of XXX is before end of statutory rescission period which is XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
270A3065-F1DC-45E6-8684-ABD211C20FF6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No Amount of Fees on HUD XXX are greater than fees disclosed on the FND XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
270A3065-F1DC-45E6-8684-ABD211C20FF6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HELOC Fees on HUD Closing fees of XXX, Title Insurance XXX, Recording Fees XXX that are not disclosed on the FND. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA438E20-9F74-46A7-AAF4-A9B63EC36037 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
5E6DFA57-4E96-4C72-AA44-EFCCDA95BE23 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
FD04196A-3AED-4722-9BD7-82353C632C4D XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
FD04196A-3AED-4722-9BD7-82353C632C4D XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC early disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FD04196A-3AED-4722-9BD7-82353C632C4D XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B9F4230F-D824-441E-BC8A-71C825AD0A33 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
458D42C2-1C21-47E2-9EC2-5204D59BFC3A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
E6AF96B2-EB66-41A4-BDD1-01553F019DD7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Note Rider. (No Data) (No Data) (No Data) Not Applicable Complete
A7BBA7D6-FA54-438C-8FDD-0184D337B545 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active A D A D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
A7BBA7D6-FA54-438C-8FDD-0184D337B545 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of rescission period due to incorrect Notary date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
1AA89AC9-1840-4804-AE73-AF82767BDE98 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A B A B Compliance TILA Active N/A B N/A B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees XXX are greater than FND fees of XXX by XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1AA89AC9-1840-4804-AE73-AF82767BDE98 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A B A B Compliance TILA Active N/A B N/A B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No Settlement closing fee of XXX, Title Insurance of XXX, Recording service fee of XXX, Recording Mortgage of XXX, State Tax Stamps XXX and Conservation fee of XXX not disclosed on final HELOC disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
08890103-FC05-4EB2-AE04-4998B867EDAD XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No TILA - HELOC Fees on HUD that are not disclosed on the FND - HELOC fees on HUD-1 not disclosed on the FND of Title - Settlement Closing Fee XXX, Title Insurance XXX, Recording - Other XXX, Tax Stamps - State XXX, Conservation Fee XXX, Recording Service Fee XXX. The HUD-1 also discloses a Lender Credit for the XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
950E6D53-9825-4EA0-A0DA-0292CCDED0AA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
8EDDF6AD-6969-40F2-83ED-607320F3BD65 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
9D4D21B5-26C2-44B2-BBE4-3AE09BF2C51F XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
E54A0B18-AB25-47E8-AEF4-D5C637A9B05E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
6F9E1262-9A23-4DBD-B941-52800A9EF5AA XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
8911F76A-74A1-44A1-A405-47EA2B35F4F9 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
7D0B84F8-5C28-4543-BEAE-B8AD72CDFD6D XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) (No Data) Complete
98B9CC44-EBF6-4732-8D95-B4C4A20E37AA XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
E4DFDF92-10FE-4D07-B34E-D532506CCF29 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
7DFF97CE-12E1-4834-81F3-21F03E849B72 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
5FF23EB4-C4C7-4983-A8D6-355E94F294A4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
65EC68FA-133B-4F9D-A8F6-D09BA7C60226 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
D6B6A35D-ED7B-47A3-8893-5ED0DA9B891A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
5E730B3F-46A3-4548-8B54-F6D662385F5F XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C272DF9D-EA82-408B-BDD5-B8CFE224D3B1 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
21ADEDAD-46B0-49EE-8F8E-E78216A18B1B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees XXX are greater than FND fees of XXX by XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
21ADEDAD-46B0-49EE-8F8E-E78216A18B1B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HELOC fees on HUD-1 not disclosed on the FND of Title Insurance XXX, Recording Fee XXX, County Taxes XXX, Conservation Fee XXX, Settlement or closing fee XXX.; Recording Service Fee XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3E2D8A5-43E2-4658-8246-C551CC523A5E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A01C9428-9E2A-4A89-B3C1-3791B9398C36 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
A01C9428-9E2A-4A89-B3C1-3791B9398C36 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A01C9428-9E2A-4A89-B3C1-3791B9398C36 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees XXX are greater than FND fees of XXX by XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A01C9428-9E2A-4A89-B3C1-3791B9398C36 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HELOC fees on HUD-1 not disclosed on the FND of Settlement or closing fee XXX; Title Examination XXX, Recording Service Fee XXX. Flood Fee of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4DFA9652-3008-4C24-8AB4-ED5C59AA4FA8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
3E99ECEB-EDD0-4C1D-B1AC-1327B742F1C0 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. Loan is piggybacked off of a 1st lien purchase transaction. (No Data) (No Data) (No Data) Not Applicable Complete
3E99ECEB-EDD0-4C1D-B1AC-1327B742F1C0 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX. Loan is piggybacked off of a 1st lien purchase transaction. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93BC369D-E0B7-4CEF-A291-A224CFEED001 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
93BC369D-E0B7-4CEF-A291-A224CFEED001 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
93BC369D-E0B7-4CEF-A291-A224CFEED001 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX. Loan funds were disbursed prior to mandatory rescission period expiration date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
79DEBE97-E06B-4A40-A571-0DA243705CA1 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
399F5343-9214-4A61-9C4D-BA17DC8DCDDE XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
FB48405B-2079-4EF7-A526-113B8C675D88 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
FB48405B-2079-4EF7-A526-113B8C675D88 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Rescission end date XXX, loan funded XXX. Subject transaction was a purchase. (No Data) (No Data) (No Data) (No Data) Complete
FB48405B-2079-4EF7-A526-113B8C675D88 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Rescission end date XXX, loan funded XXX. Subject transaction was a purchase. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
E43870C4-8124-4FCE-A07E-EC95C8CEB61B XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
1273F604-2F41-4E4D-A94E-2D8DFCEB9084 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A B A                               Complete
F0C4A864-F9A0-4CC6-A00B-515BE76AE953 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
F0C4A864-F9A0-4CC6-A00B-515BE76AE953 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax and Insurance disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B6ABBCF3-EBC3-4A7A-BD4A-C70B93F15F4D XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
B6ABBCF3-EBC3-4A7A-BD4A-C70B93F15F4D XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Oral Tax/Insurance disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C1C2D338-B07D-40F8-B824-B3C9F973A7C8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
C1C2D338-B07D-40F8-B824-B3C9F973A7C8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Oral Tax / Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FFC5FFEB-CB68-43BC-B6D2-628902CFF276 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Borrower's Interest Active B B B B CMPBI1597 MN Home Loan - Tangible Net Benefit Worksheet is Not in File - Fed Inst No Missing Tangible Net Benefit Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
FFC5FFEB-CB68-43BC-B6D2-628902CFF276 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing MN Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BB8E0433-BDE5-4F1F-A249-2871DFF139D3 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
CC29A13E-9B7C-484D-9AC5-515189282504 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7C8EB21B-EB80-4E0E-9591-A8526A96D758 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
D5865EE6-4267-44FE-99B0-808A4DDDB172 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
BD035D23-29F6-4595-B571-2D36E669516A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prepayment Penalty Prohibited, PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
9D633123-D42D-4B82-B192-471A75B63361 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Missing page 1 and 3 of HELOC Hud-1. XXX- Received HUD1 for 1st mtg only; Exception remains Provide HUD1 for HELOC 2nd mtg. XXX - Exception remains (No Data) Not Applicable Complete
9D633123-D42D-4B82-B192-471A75B63361 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1251 IL SB 1167- Alternative Loan without PPP Not Offered - Fed Inst No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
35E8DDD5-AE5C-4F18-9549-3A3E226523D3 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable A A C A                               Complete
2253D159-2D25-4C0A-902E-7D19C70961F2 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Loan-Prohibited Prepayment Penalty - Fed Inst -PPP is Expired. (No Data) (No Data) (No Data) Not Applicable Complete
752DA55A-EDE6-4CE2-8FB1-3250EA5B9AD5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
752DA55A-EDE6-4CE2-8FB1-3250EA5B9AD5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC early disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
752DA55A-EDE6-4CE2-8FB1-3250EA5B9AD5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No TILA - HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
545882A7-141B-4AEC-A1C0-9C1DF03C845E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
F0F5B2EA-BAE2-4A99-AF7D-C44680A799D5 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) Not Applicable Complete
92580341-7482-4B8A-8DB6-1B22B79533DB XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No MN Home Loan-Prohibited Prepayment Penalty. PPP expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
AE689183-9105-4E47-9C3C-37EF86E82839 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable A A A A                               Complete
94A2C065-880A-45C7-A9DD-9A38DE7F8F75 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
C2DB5B38-CF46-4462-A369-80A831223653 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
DBF78E09-495E-47D1-87AB-EF27FC3E513E XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) (No Data) Complete
DBF78E09-495E-47D1-87AB-EF27FC3E513E XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active C C C C CMPTXHE119 Texas Equity - Affidavit of Fair Market Value not signed by lender Yes Affidavit of Fair Market Value not signed by lender (No Data) (No Data) (No Data) (No Data) Complete
DBF78E09-495E-47D1-87AB-EF27FC3E513E XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active N/A B N/A B CMPTXHE320 TX Equity - Texas Equity : Missing T.42 Title Endorsement No Missing XXX Title Endorsement (No Data) (No Data) (No Data) (No Data) Complete
DBF78E09-495E-47D1-87AB-EF27FC3E513E XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active N/A B N/A B CMPTXHE321 TX Equity - Texas Equity : Missing T.42.1 Title Endorsement No Missing T XXX Title Endorsement (No Data) (No Data) (No Data) (No Data) Complete
DBF78E09-495E-47D1-87AB-EF27FC3E513E XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active N/A C N/A C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Missing evidence itemized disclosure of fees provided prior to closing (No Data) (No Data) (No Data) (No Data) Complete
DBF78E09-495E-47D1-87AB-EF27FC3E513E XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active N/A C N/A C CMPTXHE305 TX Equity - borrower not provided copy of application pre-closing Yes Missing evidence borrower provided copy of application pre-closing. (No Data) (No Data) (No Data) (No Data) Complete
FE193280-60C9-4986-B7B6-EBDB50BF6793 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No Prepayment penalty term, 36mos, exceeds state maximum of 12mos. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
D828A743-985A-4E61-9DAB-85EB51524D0A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.997 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 5.307 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
3A21A62B-9913-4F75-8906-B776C11D9BE6 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.919 HMDA Benchmark Rate 4.810 HMDA Benchmark/APR Variance 3.109 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
3A21A62B-9913-4F75-8906-B776C11D9BE6 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Disclosure dated XXX (No Data) (No Data) (No Data) (No Data) Complete
6F631071-562B-4018-8660-BA59D8CB62F6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Satisfied A A A A CMPDOC3276 Title document in file is incomplete No Only pg1, sch A, of title commitment provided; missing complete policy including sch B. XXX - complete title commitment and short form final provided. XXX - satisfied. (No Data) (No Data) Complete
6F631071-562B-4018-8660-BA59D8CB62F6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TIL discl. XXX not made within 3 days of application (No Data) (No Data) (No Data) (No Data) Complete
6F631071-562B-4018-8660-BA59D8CB62F6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE given XXX after 3 days from application (No Data) (No Data) (No Data) (No Data) Complete
172963BD-C3FB-4E4C-986F-EF543F1257D3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
D2626176-F9BF-46AA-B405-3DA20C7F3D60 XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D A D A Compliance Documentation Satisfied D A D A CMPDOC806 Notary Status is missing No Missing Notary stamp and signature on Mortgage. XXX- complete mtg with notary provided. XXX - satisfied. (No Data) (No Data) Complete
8BD5B699-2F04-4BA6-91B7-F6F902036E24 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
A7AE7ADC-04AE-4703-899F-32346E4FA4C4 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
1D2C4E2D-08C4-4654-A284-AF5ACB645D98 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No PPP term 60mos, state max is 12mos. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
243B9333-96AB-4879-BD9F-D4E153CF5887 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
ADA06ED2-36FE-421F-B9B8-316E20407B49 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No Expired XXX. 36 month term exceeds state max of 12 months. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
3D27AB59-0A19-4612-82F5-3288FFAF91FE XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.311 HMDA Benchmark Rate 5.110 HMDA Benchmark/APR Variance 3.201 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
DF1C5AE1-F9AC-4B21-A5DE-0338C27738A8 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.579 HMDA Benchmark Rate 5.130 HMDA Benchmark/APR Variance 3.449 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
DF1C5AE1-F9AC-4B21-A5DE-0338C27738A8 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No PPP Expired XXX. 36 month term exceeds state max of 12 months. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
98DF5517-B7F2-4CF1-8887-79FEA7F0024B XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 360 HMDA Benchmark Date 1/15/2007 Test APR 11.184 HMDA Benchmark Rate 4.860 HMDA Benchmark/APR Variance 6.324 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) (No Data) Complete
98DF5517-B7F2-4CF1-8887-79FEA7F0024B XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) (No Data) Complete
98DF5517-B7F2-4CF1-8887-79FEA7F0024B XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure (No Data) (No Data) (No Data) (No Data) Complete
B48418B3-23CF-4991-9A4F-185B55904C2F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.029 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 3.339 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
E39B3C5E-391C-4599-BDAC-1033F7A0E715 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable A A A A                               Complete
4A3BCD3D-8ADE-45D5-827E-7A024AC0A12D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) (No Data) Complete
A52B76C6-259F-4886-9F51-7212F8C9067A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure after 3 days from application (No Data) (No Data) (No Data) (No Data) Complete
A52B76C6-259F-4886-9F51-7212F8C9067A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated by $XXX; missing itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
405B4CC5-307F-4C84-82A4-BE5555F0B442 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.056 HMDA Benchmark Rate 5.110 HMDA Benchmark/APR Variance 3.946 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
D6AF8471-C3DA-4F43-BAD5-17655AEF00D9 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
BFDC2802-CC61-479D-983B-F9F618520624 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.096% exceeds benchmark rate of 4.720% by 3.376, which exceeds threshold of 3.00%. (No Data) (No Data) (No Data) (No Data) Complete
BFDC2802-CC61-479D-983B-F9F618520624 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Right of Rescission: Incorrect ROR Form Used - H8 Form Used in Refinance with Original Creditor. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a non-material condition in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) (No Data) Complete
0752DC41-9982-43CD-8730-CF8989221B6B XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.764 HMDA Benchmark Rate 4.750 HMDA Benchmark/APR Variance 6.014 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
47589B35-D009-41E0-ACA8-0CF290063497 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
47589B35-D009-41E0-ACA8-0CF290063497 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Required ARM Loan Program Disclosure after XXX days from application . Disclosure is dated XXX. Application date XXX. (No Data) (No Data) (No Data) Not Applicable Complete
0278DD35-2879-41B7-A9B9-DB3AEB2C11D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.625% with HMDA Benchmark Rate of 4.930% causing variance of 5.695% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
7BC9B0DE-6636-403C-A441-07357E9FD5DA XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.741 HMDA Benchmark Rate 4.580 HMDA Benchmark/APR Variance 7.161 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
8CFB3E7A-6071-4780-893B-BDD9B04D3735 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.778 HMDA Benchmark Rate 4.810 HMDA Benchmark/APR Variance 3.968 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
8CFB3E7A-6071-4780-893B-BDD9B04D3735 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM disclosure in file is not dated. (No Data) (No Data) (No Data) (No Data) Complete
8CFB3E7A-6071-4780-893B-BDD9B04D3735 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No PPP expired XXX of UPB in year 1 exceeds state max of 2%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
8CFB3E7A-6071-4780-893B-BDD9B04D3735 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No PPP expired XXX. 3% of UPB in year 1 exceeds state max of 2%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
C75C1AD6-89C8-446B-B60E-9255267A2421 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.352 HMDA Benchmark Rate 4.910 HMDA Benchmark/APR Variance 3.442 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
C75C1AD6-89C8-446B-B60E-9255267A2421 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure XXX. (No Data) (No Data) (No Data) (No Data) Complete
5C4B9761-E750-4FE0-A62C-5CAEED20B0CC XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed (No Data) (No Data) (No Data) (No Data) Complete
82BC4AC2-7D05-4223-A493-B83C488374F0 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable A A A A                               Complete
9D9B3BC6-9F70-4263-ADA4-DDA529E7C3D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
9D9B3BC6-9F70-4263-ADA4-DDA529E7C3D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
9D9B3BC6-9F70-4263-ADA4-DDA529E7C3D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
9D9B3BC6-9F70-4263-ADA4-DDA529E7C3D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
9D9B3BC6-9F70-4263-ADA4-DDA529E7C3D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing executed stamped true and certified HUD-1 Settlement Statement (No Data) (No Data) (No Data) (No Data) Complete
9D9B3BC6-9F70-4263-ADA4-DDA529E7C3D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
66FDE079-9B94-46FE-9443-089505619BD2 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.883 HMDA Benchmark Rate 4.540 HMDA Benchmark/APR Variance 5.343 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
6AF0A6BE-58EF-4485-B42D-BC9AD0309AA8 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.668% with HMDA Benchmark Rate of 5.260% causing variance of 7.408% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
40EE6136-A0DC-4487-BAA4-FBFD0A564280 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Satisfied D A D A CMPDOC3268 Note in file is incomplete No Missing pg 2 of note. XXX - complete note provided. XXX - satisfied. (No Data) (No Data) Complete
40EE6136-A0DC-4487-BAA4-FBFD0A564280 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.333 HMDA Benchmark Rate 4.920 HMDA Benchmark/APR Variance 6.413 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
40EE6136-A0DC-4487-BAA4-FBFD0A564280 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) (No Data) Complete
40EE6136-A0DC-4487-BAA4-FBFD0A564280 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
60BC15A4-525D-4199-9017-786D250BD3BA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.556% with HMDA Benchmark Rate of 5.260% causing variance of 5.296% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
91FF8C12-9FBA-4FEB-B21A-B4A46302A3B9 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT101 APR - Irregular pmt loan; underdisclosed APR > 0.250% No APR underdisclosed by XXXX%; appears an incorrect index value was used by the lender's TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
91FF8C12-9FBA-4FEB-B21A-B4A46302A3B9 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXXHMDA Benchmark Rate XXXX HMDA Benchmark/APR Variance XXXX HMDA Rate Spread Trigger XXXX (No Data) (No Data) (No Data) (No Data) Complete
91FF8C12-9FBA-4FEB-B21A-B4A46302A3B9 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Document dated at closing. (No Data) (No Data) (No Data) (No Data) Complete
91FF8C12-9FBA-4FEB-B21A-B4A46302A3B9 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXXX; appears an incorrect index value was used by the lender's TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
91FF8C12-9FBA-4FEB-B21A-B4A46302A3B9 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. (No Data) (No Data) (No Data) (No Data) Complete
159143EA-E7D3-41B0-9433-5253D2279E60 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL discloses finance charges of XXX. XXX calculated finance charges per paystream of $XXX for an understatement of $825.00. Missing TIL itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
5E1EB000-FF78-461E-BE6F-38982BCAA6FA XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.650% with HMDA Benchmark Rate of 4.930% causing variance of 3.720% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
C69C084E-8F38-4147-93E7-EDC125E1355C XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.578 HMDA Benchmark Rate 4.860 HMDA Benchmark/APR Variance 3.718 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
174C1E0D-B018-4482-A995-877EB69757EE XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No OH State law prohibits PPP on L-to-L refinance; provision not disclosed. (No Data) (No Data) (No Data) (No Data) Complete
992AB988-5657-4796-92E3-BF8B714302AF XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable A A A A                               Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active B B B B CMPTXHE321 TX Equity - Texas Equity : Missing T.42.1 Title Endorsement No Missing T.42.1 Title Endorsement (No Data) (No Data) (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Missing evidence itemized disclosure of fees was provided prior to closing (No Data) (No Data) (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE305 TX Equity - borrower not provided copy of application pre-closing Yes Missing evidence borrower was provided copy of application pre-closing (No Data) (No Data) (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE114 TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) Yes Missing Notice Concerning Extensions of Credit (No Data) (No Data) (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE117 TX Equity - Missing Affidavit of Fair Market Value Yes Missing Affidavit of Fair Market Value (No Data) (No Data) (No Data) (No Data) Complete
EA18EB2A-9FA7-4004-87F0-B3C7EC610922 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE306 TX Equity - borr not given copy of final/app, closing docs Yes Missing evidence borrower was given copy of final/app, closing docs (No Data) (No Data) (No Data) (No Data) Complete
2D4E491C-05FD-4D31-9C24-A121B460E1B3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
2D4E491C-05FD-4D31-9C24-A121B460E1B3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.090%, the benchmark APR is 5.110% which results in a difference of 4.980%. The maximum allowed is 8.00%. (No Data) (No Data) (No Data) (No Data) Complete
2D4E491C-05FD-4D31-9C24-A121B460E1B3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Balloon by inadequate PI.l (No Data) (No Data) (No Data) (No Data) Complete
2D4E491C-05FD-4D31-9C24-A121B460E1B3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
2D4E491C-05FD-4D31-9C24-A121B460E1B3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date unknown. (No Data) (No Data) (No Data) (No Data) Complete
2D4E491C-05FD-4D31-9C24-A121B460E1B3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
4D50FDDE-8858-44D1-AF35-48F8BB62BEE5 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
4D50FDDE-8858-44D1-AF35-48F8BB62BEE5 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.582% with HMDA Benchmark Rate of 5.190% causing variance of 5.392% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
4D50FDDE-8858-44D1-AF35-48F8BB62BEE5 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Note / Final TIL disclosure statement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
4D50FDDE-8858-44D1-AF35-48F8BB62BEE5 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
4D50FDDE-8858-44D1-AF35-48F8BB62BEE5 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
4D50FDDE-8858-44D1-AF35-48F8BB62BEE5 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
6384C3AB-5DC9-4E71-97BC-6F04D2A1F03F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
6384C3AB-5DC9-4E71-97BC-6F04D2A1F03F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.278% with HMDA Benchmark Rate of 5.160% causing variance of 6.118% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
6384C3AB-5DC9-4E71-97BC-6F04D2A1F03F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
6384C3AB-5DC9-4E71-97BC-6F04D2A1F03F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
6384C3AB-5DC9-4E71-97BC-6F04D2A1F03F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
6384C3AB-5DC9-4E71-97BC-6F04D2A1F03F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
F153FCA5-CD3F-4C0B-9E0D-264F62F76FED XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
F153FCA5-CD3F-4C0B-9E0D-264F62F76FED XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F153FCA5-CD3F-4C0B-9E0D-264F62F76FED XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No PPP is 3 yrs, 3%, 2%, 1% for yrs 1, 2, 3. PPP expired XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F153FCA5-CD3F-4C0B-9E0D-264F62F76FED XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No PPP is 3 yrs, 3%, 2%, 1% for yrs 1, 2, 3. PPP expired XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F675344D-4A17-4D83-873F-5C245B0D3B55 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
F675344D-4A17-4D83-873F-5C245B0D3B55 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Final TIL not included in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
F675344D-4A17-4D83-873F-5C245B0D3B55 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No TIL was not included in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
F675344D-4A17-4D83-873F-5C245B0D3B55 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Final TIL was not included in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
F675344D-4A17-4D83-873F-5C245B0D3B55 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No ROR was not included in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
5A976229-F678-431D-92F9-51FC0D5415BC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
5A976229-F678-431D-92F9-51FC0D5415BC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
5A976229-F678-431D-92F9-51FC0D5415BC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
5A976229-F678-431D-92F9-51FC0D5415BC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
5A976229-F678-431D-92F9-51FC0D5415BC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No ROR was not included in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
29E945ED-6AD6-4E0B-A74A-2453AB044CA8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.313% with HMDA Benchmark Rate of 5.130% causing variance of 3.000% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
360FF8D5-91E2-4787-8279-8A48A158B2D9 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
360FF8D5-91E2-4787-8279-8A48A158B2D9 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
360FF8D5-91E2-4787-8279-8A48A158B2D9 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing XXX Borrower Interest Worksheet (No Data) (No Data) (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Borrower's Interest Active C C C C CMPBI1603 MA Borrower Interest-outside safe harbor-not Clayton approved Yes Missing documentation to determine benefit to borrower; previous note, title commitment, application, credit report, MA borrower interest worksheet. (No Data) (No Data) (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Satisfied D A D A CMPDOC3274 Mortgage/Deed in file is incomplete No Mortgage/Deed in file is incomplete, missing pages XXX XXX - complete mortgage provided. XXX- satisfied. (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Satisfied D A D A CMPDOC806 Notary Status is missing No Mortgage/Deed in file is incomplete, missing pages XXX XXX - complete mortgage provided. XXX - satisfied. (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.749 HMDA Benchmark Rate 4.350 HMDA Benchmark/APR Variance 4.399 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date unknown. (No Data) (No Data) (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FB4C8F56-9526-49FE-8215-E93CADCD8BEC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D C D C Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late Charge percentage exceeds regulatory limits (No Data) (No Data) (No Data) (No Data) Complete
278AA20E-0048-4A84-9ACC-047FBCF3D5A8 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.788, HMDA Benchmark Rate 4.720, HMDA Benchmark/APR Variance 4.068, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
278AA20E-0048-4A84-9ACC-047FBCF3D5A8 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated by $965; missing itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
278AA20E-0048-4A84-9ACC-047FBCF3D5A8 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
278AA20E-0048-4A84-9ACC-047FBCF3D5A8 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights Notice (No Data) (No Data) (No Data) (No Data) Complete
278AA20E-0048-4A84-9ACC-047FBCF3D5A8 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Home Loan Consumer Homeownership Counseling Notice. (No Data) (No Data) (No Data) (No Data) Complete
278AA20E-0048-4A84-9ACC-047FBCF3D5A8 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Prepayment penalty exceeds maximum allowed of 1% of amount prepaid. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
278AA20E-0048-4A84-9ACC-047FBCF3D5A8 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Prepayment penalty exceeds maximum allowed of 1% of amount prepaid. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
92D0E6A2-C3D6-4ED7-8EC7-02E2F1A53808 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI certificate. (No Data) (No Data) (No Data) (No Data) Complete
92D0E6A2-C3D6-4ED7-8EC7-02E2F1A53808 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.772%, HMDA Benchmark Rate 5.130%, HMDA Benchmark/APR Variance 3.642%, HMDA Rate Spread Trigger 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
92D0E6A2-C3D6-4ED7-8EC7-02E2F1A53808 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
8BF7ADFC-C65D-43AD-BA12-87CBA06B2418 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
4118F4F5-05A2-4233-AC5C-CD659FCB91CA XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
4118F4F5-05A2-4233-AC5C-CD659FCB91CA XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.543% with HMDA Benchmark Rate of 4.760% causing variance of 4.783% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
4118F4F5-05A2-4233-AC5C-CD659FCB91CA XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Prepayment penalty per Note is 3%,2%,1% of UPB in year 1,2,3. Alabama does not permit prepayment penalties. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
82AC424E-A867-442B-A670-914FB07CDD94 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable A B A B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
6D53D834-F77E-4F19-99CB-927ABF6CB578 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
6D53D834-F77E-4F19-99CB-927ABF6CB578 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.807% with HMDA Benchmark Rate of 4.750% causing variance of 4.057% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) (No Data) Complete
6D53D834-F77E-4F19-99CB-927ABF6CB578 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) (No Data) Complete
6D53D834-F77E-4F19-99CB-927ABF6CB578 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
6D53D834-F77E-4F19-99CB-927ABF6CB578 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Pre-Payment Penalty indicates that if the borrower prepays the loan within the first 60 months in excess of 20% of the OPB within 12 months, the borrower will pay a penalty equal to 6 months interest on the amount prepaid. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
6D53D834-F77E-4F19-99CB-927ABF6CB578 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No Pre-Payment Penalty indicates that if the borrower prepays the loan within the first 60 months in excess of 20% of the OPB within 12 months, the borrower will pay a penalty equal to 6 months interest on the amount prepaid. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FDBEF6C6-9530-46EB-819B-AA1FD6901D71 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
D7DA6E43-C813-40B7-9951-554A8D4625E0 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Lender did not document all ATR UW factors. Income and assets not disclosed or verified, missing credit report, lender's ATR guidelines not provided. 9/19/16 - Loan processed as refinance transaction from XXX to XXX and closed without documenting income, credit or assets Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
D7DA6E43-C813-40B7-9951-554A8D4625E0 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Lender's status is Safe Harbor; review status is ATR Risk: Non-QM - Lender did not document all ATR UW factors 9/19/16 - Loan processed as refinance transaction from XXX to XXX and closed without documenting income, credit or assets 9/19/16 - exception to remain at this time. (No Data) (No Data) Complete
D7DA6E43-C813-40B7-9951-554A8D4625E0 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender to Lender Refi; Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a non-material condition in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) (No Data) Complete
99BD2D4E-2863-4161-8CBC-B4D8E0A9842C XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No NEW - XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Missing proof of continuation for XXX income of $XXXX monthly, missing XXXX LT(1008). (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99BD2D4E-2863-4161-8CBC-B4D8E0A9842C XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes NEW - XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Missing proof of continuation for XXX income of $XXXX monthly, missing XXXX LT(1008). Lender status is QM: Safe Harbor (No Data) (No Data) (No Data) Not Applicable Complete
99BD2D4E-2863-4161-8CBC-B4D8E0A9842C XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert or proof UFMIP is paid (No Data) (No Data) (No Data) Not Applicable Complete
99BD2D4E-2863-4161-8CBC-B4D8E0A9842C XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Missing individual loan originators middle name per NMLS verification system (No Data) (No Data) (No Data) Not Applicable Complete
07FBE108-6F4E-4483-97CA-88AE0D04134B XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
E798651C-7096-46A0-8108-B46F21F11F0B XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception (No Data) (No Data) (No Data) (No Data) Complete
BB2A7487-9B47-4D1B-B831-CA1FB204B230 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.263 HMDA Benchmark Rate 5.000 HMDA Benchmark/APR Variance 3.263 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
BB2A7487-9B47-4D1B-B831-CA1FB204B230 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) (No Data) Complete
BB2A7487-9B47-4D1B-B831-CA1FB204B230 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. (No Data) (No Data) (No Data) (No Data) Complete
74C938D0-763E-48EC-8AE4-1F0F20A609FB XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.949% with HMDA Benchmark Rate of 4.720% causing variance of 7.229% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
74C938D0-763E-48EC-8AE4-1F0F20A609FB XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Lender Application date of XXX, ARM Program Disclosure in file dated XXX. ARM Program Disclosure not provided within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
971C6247-585D-425B-B77C-0836E30B8A00 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
971C6247-585D-425B-B77C-0836E30B8A00 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
971C6247-585D-425B-B77C-0836E30B8A00 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No Missing Note. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
971C6247-585D-425B-B77C-0836E30B8A00 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
08C643DE-A47E-442F-85F5-8BAB425E8FA0 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
12CDB33E-BD01-4655-92A0-58EC4DB76448 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX; Test APRXXX - HMDA Benchmark Rate XXX= HMDA Benchmark/APR Variance XXX which exceeds the max HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
EEC1B008-0F40-4D0A-8456-18954E026B70 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EEC1B008-0F40-4D0A-8456-18954E026B70 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Terms of PPP did not include soft provision excluding PPP if paid by insurance proceeds. (No Data) (No Data) (No Data) Not Applicable Complete
40AAEDC5-C4C4-48D4-AC8C-FD17CEDAEC39 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial Lender TIL. (No Data) (No Data) (No Data) Not Applicable Complete
40AAEDC5-C4C4-48D4-AC8C-FD17CEDAEC39 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
40AAEDC5-C4C4-48D4-AC8C-FD17CEDAEC39 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing lender GFE (No Data) (No Data) (No Data) Not Applicable Complete
D3D40141-8902-4767-A49B-F79623BDC07B XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
1E18F797-B7E0-4C74-AC12-734E47A0990A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
4FB7B292-A3A1-4CBB-B102-F87E00A05182 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable A A A A                               Complete
485EC127-5CD1-4450-A536-CDF58209EA17 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. 5/14/18 - HUD1 provided, incorrect belongs to another borrower, transaction. 5/14/18 - incorrect HUD1 provided; exception to remain at this time. (No Data) Not Applicable Complete
485EC127-5CD1-4450-A536-CDF58209EA17 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
EDC92F4D-9BE1-43AC-B4B2-7AF0A29DC037 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
EDC92F4D-9BE1-43AC-B4B2-7AF0A29DC037 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
EDC92F4D-9BE1-43AC-B4B2-7AF0A29DC037 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8179E35B-1F20-44A3-A679-39207E6C9564 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Lender did not document all ATR UW factors. LP findings as Caution, Ineligible as strong indication of excessive layering of risk and investment quality unlikely. Lenders ATR guidelines not provided. 9/19/16 - Post Closing discovered rental loss was calculated incorrectly. DTI increased to 58% Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
8179E35B-1F20-44A3-A679-39207E6C9564 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Lender's status is Safe Harbor; review status is ATR Risk: Non-QM - Lender did not document all ATR UW factors. 9/19/16 - Post Closing discovered rental loss was calculated incorrectly. DTI increased to 58% 9/19/16 - exception to remain at this time. (No Data) (No Data) Complete
60F84EAE-C619-4D5D-867B-E2B467ED284B XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.225 - HMDA Benchmark Rate 5.190 = HMDA Benchmark/APR Variance 5.035 which exceeds the max HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
60F84EAE-C619-4D5D-867B-E2B467ED284B XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
60F84EAE-C619-4D5D-867B-E2B467ED284B XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
E6D99DDA-0356-4AAD-84D2-FA71BBF96A7C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A B A B Compliance State Prepayment Penalty Active N/A B N/A B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
8A2B4891-230D-4C71-8207-64060DC50DF1 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.882 - HMDA Benchmark Rate 4.810 = HMDA Benchmark/APR Variance 6.072 which exceeds the max HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
8A2B4891-230D-4C71-8207-64060DC50DF1 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Initial ARM disclosure has no form date; Borrower signed on XXX (No Data) (No Data) (No Data) Not Applicable Complete
ECAB2FFB-A8D9-4414-A45D-318A157D88D0 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX (No Data) (No Data) (No Data) Not Applicable Complete
ECAB2FFB-A8D9-4414-A45D-318A157D88D0 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX ARM Program Disclosure in file dated XXX. ARM Program Disclosure not received within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
ECAB2FFB-A8D9-4414-A45D-318A157D88D0 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
0B77593A-6BF3-470D-92A4-38C6CBACC835 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with XXX Benchmark Rate of XXX% causing variance of XXX% which exceeds XXX Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
679C9C41-AF17-49E7-8DC4-C68738148162 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed (No Data) (No Data) (No Data) Not Applicable Complete
679C9C41-AF17-49E7-8DC4-C68738148162 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
679C9C41-AF17-49E7-8DC4-C68738148162 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F6229239-02CB-434D-AE76-A184510D1A30 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing lenders Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
F6229239-02CB-434D-AE76-A184510D1A30 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
F6229239-02CB-434D-AE76-A184510D1A30 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1453438B-B237-4E96-AC4C-38821E08F23B XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX, ARM disclosure in file Dated XXX. Lender ARM disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
1453438B-B237-4E96-AC4C-38821E08F23B XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B Non-material condition. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
70C5BDC7-FAA2-45CA-98F4-BEFB547CED43 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
70C5BDC7-FAA2-45CA-98F4-BEFB547CED43 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Signed. (No Data) (No Data) (No Data) Not Applicable Complete
70C5BDC7-FAA2-45CA-98F4-BEFB547CED43 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
70C5BDC7-FAA2-45CA-98F4-BEFB547CED43 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6D225086-1B46-4AE6-88DF-B0BE4B78D3D9 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
77DC2ADB-B453-41A7-893B-1EBB4A79A394 XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
77DC2ADB-B453-41A7-893B-1EBB4A79A394 XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
77DC2ADB-B453-41A7-893B-1EBB4A79A394 XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CD:XXX, The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on any LE. (No Data) (No Data) Non-Numeric Not Applicable Complete
77DC2ADB-B453-41A7-893B-1EBB4A79A394 XXXXXX XXXXXX XXXXXX XXXXXX MD QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Missing signed e-consent in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CDF5783C-9567-4C34-B11B-BFB3639FAFA4 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL is not signed or hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
CDF5783C-9567-4C34-B11B-BFB3639FAFA4 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not signed or hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
1CB2B07F-0FC8-4CEB-9C14-01BC4154ED24 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing initial application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DE7A5893-C558-4006-8ADC-D1E5E8AD6065 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
DE7A5893-C558-4006-8ADC-D1E5E8AD6065 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DE7A5893-C558-4006-8ADC-D1E5E8AD6065 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC4027 Incomplete file - unable to test Yes Incomplete file - unable to test. There are no origination documents in the file. (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial Til (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final Til (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
F8F8E842-9986-4AD0-840C-303B47B8A066 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Hud-1 (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing MI cert (No Data) (No Data) (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing page 2 (No Data) (No Data) (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert (No Data) (No Data) (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Til (No Data) (No Data) (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Til (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Til (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Hud XXX-Client provide correspondence stating cannot provide Final HUD 1 XXX- Received Correspondence stating client cannot provide Final HUD 1, Exception remains (No Data) Not Applicable Complete
6188ECD9-EFCD-4AB2-9B0E-32EABD1B6FB8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Missing page 2 of Note (No Data) (No Data) (No Data) Not Applicable Complete
026556A0-453F-4374-97D8-E3C62CBC54B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 9.499 HMDA Benchmark Rate 4.920 HMDA Benchmark/APR Variance 4.579 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
026556A0-453F-4374-97D8-E3C62CBC54B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
026556A0-453F-4374-97D8-E3C62CBC54B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
026556A0-453F-4374-97D8-E3C62CBC54B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
026556A0-453F-4374-97D8-E3C62CBC54B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No PPP Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
026556A0-453F-4374-97D8-E3C62CBC54B3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No PPP expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A12AB0F3-C4B8-46B1-A1D0-0EC03324B718 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) (No Data) Complete
A12AB0F3-C4B8-46B1-A1D0-0EC03324B718 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX; ARM Loan Program Disclosure is dated XXX. ARM Loan Program Disclosure not provided within XXX days of the application. (No Data) (No Data) (No Data) (No Data) Complete
A12AB0F3-C4B8-46B1-A1D0-0EC03324B718 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Application reflects no middle name, middle initial or suffix for the loan officer. The XXX registry reflects full middle name and suffix. (No Data) (No Data) (No Data) Not Applicable Complete
CE9DCA05-A241-4711-9B0D-E211E9E73A01 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
4761D9B0-4D83-47A4-86D7-0D0EFD809CB8 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
D59217A9-3167-4699-A640-B9DF9E3B2500 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
D59217A9-3167-4699-A640-B9DF9E3B2500 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D59217A9-3167-4699-A640-B9DF9E3B2500 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4903135C-8CC3-4F02-B604-D7A3DFF84B50 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable A A A A                               Complete
65FF22E8-5365-40C0-A84E-EE4FDA6F7DCB XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable A A A A                               Complete
E376FB5D-BCD8-44DB-931E-B776EB100B5A XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.150 HMDA Benchmark Rate 4.560 HMDA Benchmark/APR Variance 4.590 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
E376FB5D-BCD8-44DB-931E-B776EB100B5A XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E376FB5D-BCD8-44DB-931E-B776EB100B5A XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E376FB5D-BCD8-44DB-931E-B776EB100B5A XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Per Note Late charge 5% after 15 calendar days. (No Data) (No Data) (No Data) Not Applicable Complete
2D2C286F-A9C1-40CC-8FA7-1E683797C047 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.367% with HMDA Benchmark Rate of 4.930% causing variance of 5.437% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
2D2C286F-A9C1-40CC-8FA7-1E683797C047 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated by the Borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
FD1760C0-88D3-48E7-A3AF-0D4208FB0466 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX HMDA Benchmark Rate XXX HMDA Benchmark/APR Variance XXX HMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
FD1760C0-88D3-48E7-A3AF-0D4208FB0466 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A13E1F09-A179-4412-9D4A-4356E86CA64C XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC879 Loan subject to mandatory arbitration clause No Loan subject to mandatory arbitration clause; does not have removal upon sale clause. (No Data) (No Data) (No Data) Not Applicable Complete
A13E1F09-A179-4412-9D4A-4356E86CA64C XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.294, benchmark 4.720, variance 5.574 exceeds the 3.00 threshold. (No Data) (No Data) (No Data) Not Applicable Complete
A13E1F09-A179-4412-9D4A-4356E86CA64C XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
222630D1-9940-450B-9593-EC3CC2FBC2FB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.686 HMDA Benchmark Rate 4.540 HMDA Benchmark/APR Variance 6.146 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
1589F10A-BD80-4855-BC46-0992BD1B09A6 XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.839 HMDA Benchmark Rate 4.530 HMDA Benchmark/APR Variance 4.309 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
1589F10A-BD80-4855-BC46-0992BD1B09A6 XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D35E2ECB-915D-4FD5-BF8B-5FCED5C035D1 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Lender did not document all ATR UW factors. DU findings as Approve/Ineligible due to DTI at 59.9%; lender's ATR guidelines not provided. (No Data) (No Data) (No Data) (No Data) Complete
D35E2ECB-915D-4FD5-BF8B-5FCED5C035D1 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Lender's status is Safe Harbor; review status is ATR Risk: Non-QM - Lender did not document all ATR UW factors. (No Data) (No Data) (No Data) (No Data) Complete
D35E2ECB-915D-4FD5-BF8B-5FCED5C035D1 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3999 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD xxx Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final LE xxx Calculating Cash to Close Table. Total Closing Costs (J), Loan amount and Estimated Cash to Close figures do not match. Post Closed CD does not address this error. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric (No Data) Complete
0FF45514-615B-4864-8833-89E5C6A39414 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0FF45514-615B-4864-8833-89E5C6A39414 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
0FF45514-615B-4864-8833-89E5C6A39414 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Loan program disclosure is not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0FF45514-615B-4864-8833-89E5C6A39414 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0FF45514-615B-4864-8833-89E5C6A39414 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0FF45514-615B-4864-8833-89E5C6A39414 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0FF45514-615B-4864-8833-89E5C6A39414 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD1 and Final TIL (No Data) (No Data) (No Data) Not Applicable Complete
E8964E3D-F0E5-43F1-80BE-2014139C1D1B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E8964E3D-F0E5-43F1-80BE-2014139C1D1B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
E8964E3D-F0E5-43F1-80BE-2014139C1D1B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
E8964E3D-F0E5-43F1-80BE-2014139C1D1B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E8964E3D-F0E5-43F1-80BE-2014139C1D1B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
E8964E3D-F0E5-43F1-80BE-2014139C1D1B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
53FD8849-300C-44AF-BB18-C0D5BBBF9C30 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 8.692 HMDA Benchmark Rate 4.810 HMDA Benchmark/APR Variance 3.882 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
1A27F89B-DDFB-4B11-8816-BC1332CD5B4D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 5.514 HMDA Benchmark Rate 3.310 HMDA Benchmark/APR Variance 2.204 HMDA Rate Spread Trigger 1.500 (No Data) (No Data) (No Data) Not Applicable Complete
1A27F89B-DDFB-4B11-8816-BC1332CD5B4D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
21E53C19-0331-4B8B-B8F7-4ADD0ECE5B52 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A B A B Compliance Finance Charge Tolerance Active N/A B N/A B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated XXX. Lender's itemization of amounts financed did not include Courier Charges of XXX unable to determine source of remaining understatement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A7F1065-08D1-4CCF-A01D-20C4C1ED5316 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Final HUD incomplete, all pages cut off. (No Data) (No Data) (No Data) Not Applicable Complete
7A7F1065-08D1-4CCF-A01D-20C4C1ED5316 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP1661 TILA - Early TIL not in file No Missing early TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
26256FC4-BCD3-419D-B450-B35A43E2D860 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.049% with HMDA Benchmark Rate 4.930% causing HMDA Benchmark/APR Variance 3.119% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
26256FC4-BCD3-419D-B450-B35A43E2D860 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
1D4DA8F8-683C-47EE-A52B-5E12890BA5F3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Bottom portion of HUD image is cutoff after line 1201 and 1600, unable to determine if all fees available.HUD is not signed by borrower or stamped/signed by settlement agent. Fees available have been captured. (No Data) (No Data) (No Data) Not Applicable Complete
1D4DA8F8-683C-47EE-A52B-5E12890BA5F3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
1D4DA8F8-683C-47EE-A52B-5E12890BA5F3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No The property securing this loan is in the 3rd Circuit. In XXX the U.S. Court of Appeals, 3rd Circuit held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind. This decision has not been overturned. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
362D4D75-789D-4EB8-948B-FC8990C64C26 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
D9A69818-00D2-4CB1-BCDA-C9D9545C893B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
D9A69818-00D2-4CB1-BCDA-C9D9545C893B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes IL SB XXX Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
3FF8C46E-88C3-4BC5-9A6E-63CAF948DF5A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Loan has a fixed PPP of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
CCC5A523-8C9C-4EC1-BFDA-07F7D9309D4E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Title reports in file reveal a potential discrepancy in lien position. Report dated XXX, indicates 1st being paid and leaving 2nd, whereas another copy of the same report indicates leaving the 1st and paying off the 2nd. Tape lien position is 2. Per the HUD1 it would appear that both are being paid off. Additionally the current title report dated XXX does not show subject loan on schedule B or it is incomplete, and does show the previous 1st and 2nd remaining on record. Loan has been tested conservatively as a 1st mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
CCC5A523-8C9C-4EC1-BFDA-07F7D9309D4E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
CCC5A523-8C9C-4EC1-BFDA-07F7D9309D4E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No XXX ARM Loan Program Disclosure after 3 days from XXX application. (No Data) (No Data) (No Data) Not Applicable Complete
CCC5A523-8C9C-4EC1-BFDA-07F7D9309D4E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No XXX GFE given after 3 days from XXX application. (No Data) (No Data) (No Data) Not Applicable Complete
CCC5A523-8C9C-4EC1-BFDA-07F7D9309D4E XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
94A55893-0EAB-4D58-8B49-E8B4F5253DA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
94A55893-0EAB-4D58-8B49-E8B4F5253DA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
94A55893-0EAB-4D58-8B49-E8B4F5253DA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
94A55893-0EAB-4D58-8B49-E8B4F5253DA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
94A55893-0EAB-4D58-8B49-E8B4F5253DA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
94A55893-0EAB-4D58-8B49-E8B4F5253DA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
863F25A1-9D41-4457-9D97-F0FD4A96C706 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
863F25A1-9D41-4457-9D97-F0FD4A96C706 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Final TIL Payment of $XXX does not match Note payment of $XXX. Payment was marked out by hand to match note; however not initialed by borrower. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
863F25A1-9D41-4457-9D97-F0FD4A96C706 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total of Payments: $XXX - Total Payments as Calculated: $XXX = a difference of $XXX. Due to final TIL payment reflects XXX payments at $XXX and XXX payment of $XXX, versus calculated payment stream of XXX payments at $XXX (which matches note) , and XXX payment of $XXX; for a variance in payment stream of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
88F7F861-6333-46B2-B99B-3488DA9D9C56 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No Application date of XXX, Initial TIL in file dated XXX. Lender's Initial TIL not received within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
88F7F861-6333-46B2-B99B-3488DA9D9C56 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing evidence of an Alternative Loan without PPP being offered. (No Data) (No Data) (No Data) Not Applicable Complete
CC6C454A-6043-48E6-85CF-C98E39EB966B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active C B C B CMPFDCP2111 TILA - Payment schedule does not comply with MDIA rules No TIL does not have an MDIA schedule. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CC6C454A-6043-48E6-85CF-C98E39EB966B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Final TIL Disclosed Finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CC6C454A-6043-48E6-85CF-C98E39EB966B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Loan has an PPP. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
880AF0EF-0E77-4A20-99AC-6390E9846722 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
880AF0EF-0E77-4A20-99AC-6390E9846722 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
880AF0EF-0E77-4A20-99AC-6390E9846722 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
880AF0EF-0E77-4A20-99AC-6390E9846722 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
880AF0EF-0E77-4A20-99AC-6390E9846722 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E8534931-EC54-49BD-B848-95733137B143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No The final TIL APR is 1.0020%, the actual calculated APR is 1.1421%, which results in a difference of .1401% exceeding max threshold of .125%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E8534931-EC54-49BD-B848-95733137B143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes HUD-1 Incomplete, missing Addendum showing all title fees. (No Data) (No Data) (No Data) Not Applicable Complete
E8534931-EC54-49BD-B848-95733137B143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E8534931-EC54-49BD-B848-95733137B143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge per TIL is $XXX, actual finance charge calculation is $XXX per payment stream, causing an understatement of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E8534931-EC54-49BD-B848-95733137B143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes IL SB 1167 Alternative Loan without PPP Not Offered. (No Data) (No Data) (No Data) Not Applicable Complete
E8534931-EC54-49BD-B848-95733137B143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP105 PPP - State prohibits a PPP upon a bona fide sale of home; this PPP does not include a bona fide sale restriction. No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction. (No Data) (No Data) (No Data) Not Applicable Complete
E8534931-EC54-49BD-B848-95733137B143 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. (No Data) (No Data) (No Data) Not Applicable Complete
FEBD9AED-E0E2-4F4A-AF0B-79B6F8EEB7BC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FEBD9AED-E0E2-4F4A-AF0B-79B6F8EEB7BC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
FEBD9AED-E0E2-4F4A-AF0B-79B6F8EEB7BC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application dated XXX GFE dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
FEBD9AED-E0E2-4F4A-AF0B-79B6F8EEB7BC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes IL SB XXX Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
FEBD9AED-E0E2-4F4A-AF0B-79B6F8EEB7BC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed (No Data) (No Data) (No Data) Not Applicable Complete
59B45F8D-B6FD-4EDA-9368-92629ACD7184 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes HUD missing signed section, cut off at the bottom. (No Data) (No Data) (No Data) Not Applicable Complete
59B45F8D-B6FD-4EDA-9368-92629ACD7184 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.203%, HMDA Benchmark Rate 4.940%, HMDA Benchmark/APR Variance 4.283%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
59B45F8D-B6FD-4EDA-9368-92629ACD7184 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
5A89AACD-9D77-4154-A4B8-A8FFEB95E8A5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD1; bottom of document is cutoff, unable to determine if other fees are disclosed. The HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing (No Data) (No Data) (No Data) Not Applicable Complete
5A89AACD-9D77-4154-A4B8-A8FFEB95E8A5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
BCA45EE5-D2E7-4F40-8510-0BE56B462FFA XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Insufficient Information for APR-Payment Stream Testing. Missing MI renewal rate/mo amount. (No Data) (No Data) (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL disclosure statement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL disclosure statement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial/Early TIL disclosure statement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1669 TILA - Corrected TIL not in file No Missing Corrected TIL disclosure statement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL disclosure statement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
9D611C1E-421F-488A-B00E-07703B042321 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
23313F8E-8302-4E1B-A010-A5625177F941 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Need supporting documentation for seller defect regarding job loss on day of closing. (No Data) (No Data) (No Data) Not Applicable Complete
23313F8E-8302-4E1B-A010-A5625177F941 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX Calculating cash to close Down payment/funds from XXX reflects $XXX but difference from sales price and loan amount is $XXX. MI premium of $XXX in down payment/Funds is incorrect. This should only be the difference between sales price and Loan amount $XXX. (No Data) (No Data) Numeric Not Applicable Complete
9145BBE0-0F0D-40EA-BDF2-2CA594E959BB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. Appears Lender did not include $XXX settlement fee POC. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9145BBE0-0F0D-40EA-BDF2-2CA594E959BB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
06C36A91-6110-4C1D-8260-801EF93AF7B5 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX% with HMDA Benchmark Rate XXX% causing HMDA Benchmark/APR Variance XXX% which exceeds HMDA Rate Spread Trigger XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
7F12E6F3-39CA-4704-A25C-613ECE3F7387 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 10.421 HMDA Benchmark Rate 5.260 HMDA Benchmark/APR Variance 5.161 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
7F12E6F3-39CA-4704-A25C-613ECE3F7387 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No TILA - Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
7F12E6F3-39CA-4704-A25C-613ECE3F7387 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No RESPA - GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
3BAB7A92-7B9A-403E-987F-2A7903DC64E3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.350% with HMDA Benchmark Rate of 4.810% causing variance of 4.540% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
3BAB7A92-7B9A-403E-987F-2A7903DC64E3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure was provided, not dated. (No Data) (No Data) (No Data) Not Applicable Complete
3BAB7A92-7B9A-403E-987F-2A7903DC64E3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing MI Home Loans -Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
3BAB7A92-7B9A-403E-987F-2A7903DC64E3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing MI Home Loans -Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
C28FB6F4-3EAA-4546-B9C8-95B2BFDFBFC4 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
28679E12-EF84-44DC-8302-3D8B51EF33B1 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late Charge states, If a payment is more than XXXX days late, Borrower will pay a late charge equal to the greater of XXXX% of the unpaid portion of the payment due; State Statute requires late fee of no more than XXXX% of payment more than XXXX days late. (No Data) (No Data) (No Data) Not Applicable Complete
09B846F6-41F2-4218-B9D2-0643ADDB1215 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR 8.886 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 4.196 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
09B846F6-41F2-4218-B9D2-0643ADDB1215 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No PPP in file starts at 3% exceeding the state max of 2%. PPP expired (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4A3026F1-6426-4DBE-967E-94C2E70F76E8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX%, HMDA Benchmark Rate XXX%, HMDA Benchmark/APR Variance XXX%, HMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
4A3026F1-6426-4DBE-967E-94C2E70F76E8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing Lender GFE (No Data) (No Data) (No Data) Not Applicable Complete
4A3026F1-6426-4DBE-967E-94C2E70F76E8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP104 PPP - State does not allow prepayment penalty upon a partial prepay No PPP Addendum includes partial payments. State does not allow prepayment penalty upon a partial prepay. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
4A3026F1-6426-4DBE-967E-94C2E70F76E8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1529 MN Home Loan-Prohibited Prepayment Penalty No State prohibited prepayment penalty. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
519DEBEC-E3E8-48CB-861A-42585F99122B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
519DEBEC-E3E8-48CB-861A-42585F99122B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
519DEBEC-E3E8-48CB-861A-42585F99122B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXXTest APR XXXX HMDA Benchmark Rate XXXXHMDA Benchmark/APR Variance XXXX HMDA Rate Spread Trigger XXXX (No Data) (No Data) (No Data) Not Applicable Complete
D03A86B3-EFEF-4C28-9377-4D9EF36C62C7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
AE4A394C-BE9A-462B-8406-11F6ACBD49CF XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE4A394C-BE9A-462B-8406-11F6ACBD49CF XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
F6A69939-2D1B-4683-86FD-73502110DC4D XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
179F0745-0A03-4CFE-8DD6-D6D0F8E334FD XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.875 HMDA Benchmark Rate 4.420 HMDA Benchmark/APR Variance 7.455 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL; unable to determine TIL Payment term. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
B4B9F40F-6C02-47AE-8529-9BE7129F0579 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8B256464-2367-4570-B1B8-7CC1BDFD92C7 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.026% with HMDA Benchmark Rate of 4.860% causing variance of 7.166% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
9241CB90-94D2-44CD-8F4A-6890128F13CA XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes XXXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Missing LP prior to closing to verify expiration date, only LP in file is post close. (No Data) (No Data) (No Data) Not Applicable Complete
9241CB90-94D2-44CD-8F4A-6890128F13CA XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Missing LP prior to closing to verify expiration date, only LP in file is post close. (No Data) (No Data) (No Data) Not Applicable Complete
9241CB90-94D2-44CD-8F4A-6890128F13CA XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Missing ARM disclosure dated within 3 days of Initial Application dated XXXX. (No Data) (No Data) (No Data) Not Applicable Complete
9241CB90-94D2-44CD-8F4A-6890128F13CA XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA3468 RESPANo evidence that Your Home Loan Toolkit was delivered to the borrower No Missing evidence that Home Loan Toolkit was delivered to Borrower. (No Data) (No Data) (No Data) Not Applicable Complete
9241CB90-94D2-44CD-8F4A-6890128F13CA XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3564 TRID - There is at least one revised Loan Estimate or Closing Disclosure containing a change that is not documented or supported in the file No LE issued XXXX Credit Report Increased to XXXX from LE issued XXXXX Credit report XXXX with no change of circumstance in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
53B203AA-8BE2-4AA8-A2DB-94F8B9391799 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor QM: GSE Temporary - QM/SH A A A A                               Complete
E1CB66CE-F891-4F71-961B-CFA764819069 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.753% with HMDA Benchmark Rate of 4.790% causing variance of 6.963% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
E1CB66CE-F891-4F71-961B-CFA764819069 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) (No Data) Complete
21C2B16E-3D52-4EA1-88E6-DAEF044C79FF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
21C2B16E-3D52-4EA1-88E6-DAEF044C79FF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
21C2B16E-3D52-4EA1-88E6-DAEF044C79FF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
21C2B16E-3D52-4EA1-88E6-DAEF044C79FF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.878%, HMDA Benchmark Rate 4.910%, HMDA Benchmark/APR Variance 5.968%, HMDA Rate Spread Trigger 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
21C2B16E-3D52-4EA1-88E6-DAEF044C79FF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No TILA - Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
21C2B16E-3D52-4EA1-88E6-DAEF044C79FF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes RESPA - Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
21C2B16E-3D52-4EA1-88E6-DAEF044C79FF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D0B0C5F5-5BE1-4BB4-8DCD-26A48CFBDD94 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.216% with HMDA Benchmark Rate of 4.560% causing variance of 3.656% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D0B0C5F5-5BE1-4BB4-8DCD-26A48CFBDD94 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file dated XXX. Lender Initial GFE not received within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Mortgage Insurance required but MI Certificate is missing. (No Data) (No Data) (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Stated Loan Term is not equal to the TIL Payment term. Missing TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Initial TIL at closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD1/1A Settlement Statement. XXX- HUD-1 provided. XXX - Exception satisfied. (No Data) Not Applicable Complete
63843FDC-D124-49EC-83EF-ED2A890F791A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission Form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1F8C8008-2C3A-4A9B-A91E-B10890C06D2B XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD:XXX Summaries of Transactions Section: Sale Price of Property minus Loan Amount is: $XXX and Calculating Cash to Close Section: Down Payment/Funds from Borrower - Final, Value: $XXX, which includes the UFMIP of XXX. Correct calculation should be $XXX FHA Loan. (No Data) (No Data) Numeric Not Applicable Complete
1F8C8008-2C3A-4A9B-A91E-B10890C06D2B XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXX, Loan Costs Section B: Appraisal fee is missing the payee.2. CD: XXX Loan Costs Section C: Attorney fee is missing the payee.CD XXX satisfied the issue. (No Data) (No Data) Hybrid Not Applicable Complete
EEB67329-F78D-446A-A236-D51A68D52D81 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D5DBB495-9A6C-48C8-A19C-FE37B739A8BD XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes MI Certificate is missing (No Data) (No Data) (No Data) Not Applicable Complete
56B317BA-7410-4FA7-8602-3DA3C5BB0021 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
49D7C1D0-8C45-4750-87B2-FD4BBE029316 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX MI cert (No Data) (No Data) (No Data) Not Applicable Complete
C2660506-6D36-495C-8D62-F712D408529B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
98FD9091-9706-4B3C-9A1A-034F74830A41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
98FD9091-9706-4B3C-9A1A-034F74830A41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 6.879% with HMDA Benchmark Rate of 2.980% causing variance of 3.899% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
98FD9091-9706-4B3C-9A1A-034F74830A41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
98FD9091-9706-4B3C-9A1A-034F74830A41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Final TIL in file is incomplete; partly Illegible. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
98FD9091-9706-4B3C-9A1A-034F74830A41 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4FB707F2-B8FD-4664-BC71-4A5BF61F3013 XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Lenders status determination is not in file. (No Data) (No Data) (No Data) Not Applicable Complete
4FB707F2-B8FD-4664-BC71-4A5BF61F3013 XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status: ATR Risk: Non-QM - Lender did not document all ATR UW factors. Loan DU approved with DTI at 44.8%. Review determined DTI to be at 56.90%, due to miscalculation of income. xxx 2 year average per tax returns yields DTI of 56.90%. As such does not meet DU approval, missing lender's guidelines for ATR non-QM loans. (No Data) (No Data) (No Data) Not Applicable Complete
4FB707F2-B8FD-4664-BC71-4A5BF61F3013 XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No The legal documents reflect no middle name or middle initial for the loan officer, the NMLS registry reflects a full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
4FB707F2-B8FD-4664-BC71-4A5BF61F3013 XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA3468 RESPANo evidence that Your Home Loan Toolkit was delivered to the borrower No Missing evidence tool kit was delivered to borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4FB707F2-B8FD-4664-BC71-4A5BF61F3013 XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No 1. CD: xxx, xxx, & xxx Section: Closing Information; missing File Number. 2. CD: xxx, xxx, & xxx; Loan Costs (C); missing Name of Service Provider Shopped for. (No Data) (No Data) (No Data) Not Applicable Complete
4FB707F2-B8FD-4664-BC71-4A5BF61F3013 XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No 3. CD: xxx, Section: Summaries of Transactions, missing Date range for Adjustments for items unpaid by seller in advance and Adjustments for items Unpaid by Seller. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
4FB707F2-B8FD-4664-BC71-4A5BF61F3013 XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3980 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD dated xxx Calculating Cash to Close Table ; Cash to Close does not match figures on Final LE dated xxx- Calculating Cash to Close Table; Cash to Close. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
E974EF23-D824-461E-A6E4-A1A14E17A6CF XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status: ATR Risk: Non-QM - Lender did not document all ATR UW factors. Missing lender's Underwriting ATR worksheet, approved DTIs not disclosed in file. Missing lender's guidelines for income documentation requirements; missing YTD P&L statement(s). 10/31/16 - 2015 and YTD P&Ls provided. 10/31/16 - Remaining as missing: lender's Underwriting ATR worksheet, approved DTIs not disclosed in file, lender's guidelines for income documentation requirements. Exception to remain at this time. (No Data) Not Applicable Complete
E974EF23-D824-461E-A6E4-A1A14E17A6CF XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Review status: ATR Risk: Non-QM - Lender did not document all ATR UW factors. Lender's review status is Safe Harbor. (No Data) (No Data) (No Data) Not Applicable Complete
E974EF23-D824-461E-A6E4-A1A14E17A6CF XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA3468 RESPANo evidence that Your Home Loan Toolkit was delivered to the borrower No No evidence that Your Home Loan Toolkit was delivered to the borrower (No Data) (No Data) (No Data) Not Applicable Complete
E974EF23-D824-461E-A6E4-A1A14E17A6CF XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No 1. CD: xxx, xxx, xxx, and xxx Loan Costs Section C: All services are missing the payees. 2. CD: xxx Summaries of Transactions Section K: Assessments is missing the to and from months. Section L: County Taxes is missing the to and from months. Corrected on Post Close CD xxx (No Data) Exceptions satisfied.Corrected on Post Close CD xxx . Downgrade to a 2 Non-Numeric Not Applicable Complete
E974EF23-D824-461E-A6E4-A1A14E17A6CF XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3980 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Final CD xxx Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final LE xxx Calculating Cash to Close Table. Total Closing Costs (J), Down Payment/Funds from borrower and Estimated Cash to Close figures do not match. Corrected on Post Close CD xxx (No Data) Exception satisfied. Corrected on Post Close CD xxx. Downgrade to a 2 Non-Numeric Not Applicable Complete
236B964B-7BEF-460D-A2C5-D65E0DBD807E XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Lenders status determination is not in file. (No Data) (No Data) (No Data) Not Applicable Complete
236B964B-7BEF-460D-A2C5-D65E0DBD807E XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status: ATR Risk: Non-QM - Lender did not document all ATR UW factors. Loan LP approved with DTI at 12%. Review determined DTI to be at 73%, due to questionable use of lease on property borrower was occupying. As such does not meet LP approval, missing lender's guidelines for ATR non-QM loans. (No Data) (No Data) (No Data) Not Applicable Complete
236B964B-7BEF-460D-A2C5-D65E0DBD807E XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No CD: xxx and CD: xxx, Section: Contact Information, Field: Is the contact information section completed properly?, Value: No. Missing phone number for Broker. (No Data) (No Data) (No Data) Not Applicable Complete
236B964B-7BEF-460D-A2C5-D65E0DBD807E XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD: xxx, and CD: xxx Loan Costs Section C: Title services fees are missing the payees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
236B964B-7BEF-460D-A2C5-D65E0DBD807E XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID3510 TRID - Loan Estimate: An LE is missing at least one required data point No LE: xxx and xxx NMLS and Contact Information Section: Broker phone number is missing. (No Data) (No Data) Hybrid Not Applicable Complete
4DCDF997-77CA-46D8-97ED-94BB1D33B4E9 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Lender status is QM XXX, Review status is NON QM Lender documented all ATR UW Factors (No Data) (No Data) (No Data) Not Applicable Complete
4DCDF997-77CA-46D8-97ED-94BB1D33B4E9 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor Non-QM: Lender documented all ATR UW factors B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate business disclosure (No Data) (No Data) (No Data) Not Applicable Complete
BD0F59F7-D3BD-467F-B10E-DBED284E67C3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
BD0F59F7-D3BD-467F-B10E-DBED284E67C3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
BD0F59F7-D3BD-467F-B10E-DBED284E67C3 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
F350ECFA-58A4-4468-9B77-7D7627621E3F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date XXX, TIL in file Dated 09/12/2005. TIL not provided within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
F350ECFA-58A4-4468-9B77-7D7627621E3F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX, ARM Loan Program Disclosure provided on 09/12/2005. ARM Program Disclosure not provided within 3 days. (No Data) (No Data) (No Data) (No Data) Complete
F350ECFA-58A4-4468-9B77-7D7627621E3F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Calculating the total payment as reflected on the Final TIL equal $734,397.81. Total of Payments shown on the Final TIL is $734,397.82 for a difference of $0.01. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F350ECFA-58A4-4468-9B77-7D7627621E3F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date XXX, GFE in file is dated 09/12/2005. GFE not provided within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
3ED83259-754D-48BE-BCC1-238511F4DFD3 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR XXX HMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXX HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
5533BAE8-3BE8-48E9-8056-6FCECFE84C11 XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR XXX HMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger 1.500 (No Data) (No Data) (No Data) Not Applicable Complete
FA8206DC-5DBC-4D31-B184-0326A92C7E33 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
1178AEDB-5801-4D71-9FC0-887B04B1E0A2 XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No XXX & Final CD XXX, Other Cost Section F. Number of months is missing for Property Taxes. (No Data) (No Data) (No Data) Not Applicable Complete
1178AEDB-5801-4D71-9FC0-887B04B1E0A2 XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH B C B C Compliance TILA/RESPA Integrated Disclosure Active N/A C N/A C CMPTRID4366 TRID - CD: Value entered in field is illegible Yes (No Data) (No Data) (No Data) Hybrid (No Data) Complete
1178AEDB-5801-4D71-9FC0-887B04B1E0A2 XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH B C B C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4147 TRID - Closing Disclosure; Optional designation missing from optional insurance product No CD XXX and CD XXX, Other Cost Section H Title Owner's Title Policy is missing the optional value.Corrected on CD XXX Exception satisfied. (No Data) (No Data) Non-Numeric Not Applicable Complete
1178AEDB-5801-4D71-9FC0-887B04B1E0A2 XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH B C B C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX and CD XXX, Loan Cost, Section( B) i missing payee information for Appraisal Fee, Final Inspection Appraisal Fee. Section (C) Missing Payee for Title Closing Fee.Corrected on CD XXX. Exception satisfied. (No Data) (No Data) Hybrid Not Applicable Complete
55507C43-461B-451E-9E8B-B5D8D50FCD24 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.280 HMDA Benchmark Rate 5.110 HMDA Benchmark/APR Variance 5.170 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
55507C43-461B-451E-9E8B-B5D8D50FCD24 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
27F7945C-9E20-4115-9012-3D42328E6407 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final Title. (No Data) Applicable Statute of Limitation has expired. Final grade XXX , non-material. (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD. (No Data) (No Data) (No Data) Not Applicable Complete
0CE29DAE-111F-4E3C-A5C8-ABB2E0B537CA XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
CA6E6977-EF99-4A1B-ADC7-AF3C8E3E7EE5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
97571089-2F70-4954-8634-FAFD6AEFF1C6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
8EE107ED-0A5E-4F9D-8555-4F99D5726BC0 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing Final TIL. (No Data) (No Data) (No Data) (No Data) Complete
8EE107ED-0A5E-4F9D-8555-4F99D5726BC0 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8EE107ED-0A5E-4F9D-8555-4F99D5726BC0 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8EE107ED-0A5E-4F9D-8555-4F99D5726BC0 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8EE107ED-0A5E-4F9D-8555-4F99D5726BC0 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9B82F91D-95B6-437C-9F1D-AA9A998F3D68 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing final TIL. (No Data) (No Data) (No Data) (No Data) Complete
9B82F91D-95B6-437C-9F1D-AA9A998F3D68 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
9B82F91D-95B6-437C-9F1D-AA9A998F3D68 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
9B82F91D-95B6-437C-9F1D-AA9A998F3D68 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9B82F91D-95B6-437C-9F1D-AA9A998F3D68 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Missing final TIL to determine P&I payment. (No Data) (No Data) (No Data) (No Data) Complete
5AEC1181-5801-4935-AAE0-1AD4F436DA3E XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX% with HMDA Benchmark Rate XXX% causing HMDA Benchmark/APR Variance XXX% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
5AEC1181-5801-4935-AAE0-1AD4F436DA3E XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
5AEC1181-5801-4935-AAE0-1AD4F436DA3E XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
5AEC1181-5801-4935-AAE0-1AD4F436DA3E XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing Note P&I payment amount. (No Data) (No Data) (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Missing Note P&I payment amount. (No Data) (No Data) (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Missing Note P&I payment amount. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Note P&I payment amount. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
2790E713-15F0-4D39-976A-DE841BEBF02E XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No TIL 1st payment date XXX does not match Note 1st payment date XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
9BDCC5A5-D151-4251-B798-E4623566ED92 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
2EA50814-935D-43FA-9C7F-E58E8616D9F7 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
73099A8F-230B-4647-A152-4910754C129F XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing final TIL (No Data) (No Data) (No Data) (No Data) Complete
73099A8F-230B-4647-A152-4910754C129F XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
73099A8F-230B-4647-A152-4910754C129F XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing mortgage insurance certificate, 1003 provide in file reflects mortgage insurance premium in the proposed housing payment. (No Data) (No Data) (No Data) (No Data) Complete
73099A8F-230B-4647-A152-4910754C129F XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
73099A8F-230B-4647-A152-4910754C129F XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
73099A8F-230B-4647-A152-4910754C129F XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BF05BD34-FB73-491D-B327-FAF978C9F6DB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
BF05BD34-FB73-491D-B327-FAF978C9F6DB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BF05BD34-FB73-491D-B327-FAF978C9F6DB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BF05BD34-FB73-491D-B327-FAF978C9F6DB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
BF05BD34-FB73-491D-B327-FAF978C9F6DB XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD 1/1A Settlement Statement XXX- HUD-1 provided. XXX - Exception satisfied. (No Data) Not Applicable Complete
7F3D86FD-BAD8-43F4-9A5F-FD04FD94E410 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing copy of MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
7F3D86FD-BAD8-43F4-9A5F-FD04FD94E410 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Initial TIL dated XXX not given within 3 days of Application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
F1A69740-23F7-4A39-A31B-86651497F92A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No Final TIL disclosed APR 4.540%, APR calculated by payment stream 4.6727% variance -0.1327% exceeds 0.125% tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F1A69740-23F7-4A39-A31B-86651497F92A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
F1A69740-23F7-4A39-A31B-86651497F92A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1. 5/17/2018 - HUD1 provided 5/17/2018 - Exception satisfied (No Data) Not Applicable Complete
2E9F6E51-0D7F-4D50-9EAC-4E05158E46E5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BC427C45-8C85-4CE3-87D5-93F7E42A179F XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
BC427C45-8C85-4CE3-87D5-93F7E42A179F XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Missing Tangible Net Benefit worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
E44C11F8-6068-4616-83A9-486A600DD22B XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Mortgage FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
74110F88-7E8C-4BAB-A006-1DC4860438C3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
7B4407E8-FEB0-4C6C-A7BE-6F34A3CF59A2 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
8CC4F00B-3935-43E7-8ABA-727B4D582267 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing copy of MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
A60D6A8D-809E-43B8-B492-629EC6566B74 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
0D260CD4-66FE-4C46-BBA2-EEF385435518 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Missing HUD addendum detailing all title fees. (No Data) (No Data) (No Data) Not Applicable Complete
0D260CD4-66FE-4C46-BBA2-EEF385435518 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing 1-4 Family Rider. (No Data) (No Data) (No Data) Not Applicable Complete
0D260CD4-66FE-4C46-BBA2-EEF385435518 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA1953 Corrected TIL required; APR increased on latest TIL outside of tolerance. No TIL disclosed APR is XXX%. Actual calculated APR per payment stream is XXX% for a variance of .XXX% exceeding max threshold of .XXX%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
35E57617-B202-4CD2-9C6B-6AA9B4D5E5EE XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing copy of MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
35E57617-B202-4CD2-9C6B-6AA9B4D5E5EE XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
0203F254-6049-4E58-A514-6A5E567CEF48 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
0203F254-6049-4E58-A514-6A5E567CEF48 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date XXX, TIL in file Dated XXX TIL not provided within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
0203F254-6049-4E58-A514-6A5E567CEF48 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0203F254-6049-4E58-A514-6A5E567CEF48 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
52BC9898-BB1B-4E9A-A387-DE9E4198707C XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
4B9A6013-36D1-488A-AF35-10C9909988EB XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
4B9A6013-36D1-488A-AF35-10C9909988EB XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B23E4C4E-CED4-42E5-9825-A54D9117E2D3 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
D656EA7D-430D-4BEB-A191-69E715A24F39 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.286%, HMDA benchmark rate 3.660%, variance 3.626% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
D656EA7D-430D-4BEB-A191-69E715A24F39 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application dated XXX - initial TIL dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
D656EA7D-430D-4BEB-A191-69E715A24F39 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application dated XXX- initial GFE dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
08863939-65AF-4A3E-8817-81B3D442A403 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.297% with HMDA Benchmark Rate of 4.930% causing variance of 3.367% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
08863939-65AF-4A3E-8817-81B3D442A403 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1541 MN Home Loan-Prohibited Negative Amortization Yes MN Home Loan - Prohibited Negative Amortization Loan. (No Data) (No Data) (No Data) Not Applicable Complete
08863939-65AF-4A3E-8817-81B3D442A403 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance State Prepayment Penalty Active B B B B CMPSTPP105 PPP - State prohibits a PPP upon a bona fide sale of home; this PPP does not include a bona fide sale restriction. No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged on a bona fide sale. Prepayment penalty expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
92B27239-D8A3-45B7-91F0-01B8183A7514 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing Final TIL. (No Data) (No Data) (No Data) (No Data) Complete
92B27239-D8A3-45B7-91F0-01B8183A7514 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
92B27239-D8A3-45B7-91F0-01B8183A7514 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Application. (No Data) (No Data) (No Data) Not Applicable Complete
92B27239-D8A3-45B7-91F0-01B8183A7514 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
92B27239-D8A3-45B7-91F0-01B8183A7514 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
92B27239-D8A3-45B7-91F0-01B8183A7514 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2264ADE7-CD27-4849-B1CE-9078CB8A006F XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
2264ADE7-CD27-4849-B1CE-9078CB8A006F XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
2264ADE7-CD27-4849-B1CE-9078CB8A006F XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
2264ADE7-CD27-4849-B1CE-9078CB8A006F XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Prepayment penalty exceeds maximum allowed (months interest). PPP Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D917455-6BF2-4893-92A3-7A774F47EF6F XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
4D917455-6BF2-4893-92A3-7A774F47EF6F XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
4D917455-6BF2-4893-92A3-7A774F47EF6F XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL Discl. $XXXXXX Paystream $XXXDifference ($XXX) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4C62FAA0-71C2-4CCF-8BB7-999AD5F35432 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active A B A B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4C62FAA0-71C2-4CCF-8BB7-999AD5F35432 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active A B A B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total of Payments: $XXX versus Total Payments as Calculated: $XXX. Loan is construction to perm (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
0864220E-574C-4280-8484-31F5970C9E44 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
0864220E-574C-4280-8484-31F5970C9E44 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) (No Data) Complete
0864220E-574C-4280-8484-31F5970C9E44 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required Arm Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
0864220E-574C-4280-8484-31F5970C9E44 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL Discl. $XXXXXX Paystream $XXXDifference ($XXX) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F844BC96-DA8B-4109-9226-D74FD7791451 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
67EEE371-5B0C-4474-9373-ABB199B2D5D0 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP109 PPP - Prepayment penalty can be exercised w/in 90 days of rate increase No Prepayment penalty is hard and does not contain exclusion that prepayment would not be charge within 90 days of rate increase. PPP is expired. (No Data) (No Data) (No Data) (No Data) Complete
46BA41DE-60CE-4EE0-9E3D-28216F0C27BD XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
46BA41DE-60CE-4EE0-9E3D-28216F0C27BD XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR 10.040 HMDA Benchmark Rate 4.680 HMDA Benchmark/APR Variance 5.360 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
46BA41DE-60CE-4EE0-9E3D-28216F0C27BD XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
46BA41DE-60CE-4EE0-9E3D-28216F0C27BD XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
3CAF2430-F7A3-4BE0-BF12-6E7A893CF4E3 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
3CAF2430-F7A3-4BE0-BF12-6E7A893CF4E3 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
3CAF2430-F7A3-4BE0-BF12-6E7A893CF4E3 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
E2D8CD4A-63BF-44AB-8E15-D9C43467BD8B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
E2D8CD4A-63BF-44AB-8E15-D9C43467BD8B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 9.258 HMDA Benchmark Rate 5.100 HMDA Benchmark/APR Variance 4.158 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
E2D8CD4A-63BF-44AB-8E15-D9C43467BD8B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) (No Data) Complete
E2D8CD4A-63BF-44AB-8E15-D9C43467BD8B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) (No Data) Complete
E2D8CD4A-63BF-44AB-8E15-D9C43467BD8B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Satisfied C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by more than $XXX (Pmt Stream) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
CB6C34E9-2FF4-4477-AF8A-75F725B3D450 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
62BAAFBB-9B2F-4583-BB36-39DD1C6D5B35 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
62BAAFBB-9B2F-4583-BB36-39DD1C6D5B35 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
62BAAFBB-9B2F-4583-BB36-39DD1C6D5B35 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL Discl. $XXXXXX Paystream XXX Difference ($XXX) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A2961101-41CE-4EEE-8B07-4AD554BEB092 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date XXX Initial TIL date in file XXX. (No Data) (No Data) (No Data) (No Data) Complete
A2961101-41CE-4EEE-8B07-4AD554BEB092 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX ARM Disclosure date XXX (No Data) (No Data) (No Data) Not Applicable Complete
A2961101-41CE-4EEE-8B07-4AD554BEB092 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No P&I payment noted per final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A1F9E002-91C9-4766-B456-AB06968A2C19 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
A1F9E002-91C9-4766-B456-AB06968A2C19 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.182% with HMDA Benchmark Rate of 5.190% causing variance of 3.992% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A1F9E002-91C9-4766-B456-AB06968A2C19 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing early TIL. (No Data) (No Data) (No Data) (No Data) Complete
A1F9E002-91C9-4766-B456-AB06968A2C19 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Final TIL is illegible. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
EC4490AB-DF95-4868-BA86-1FBBEEA7717B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
EC4490AB-DF95-4868-BA86-1FBBEEA7717B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
EC4490AB-DF95-4868-BA86-1FBBEEA7717B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
FFD7AD36-669C-4445-BD07-A4920D7D45FC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
FFD7AD36-669C-4445-BD07-A4920D7D45FC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FFD7AD36-669C-4445-BD07-A4920D7D45FC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
FFD7AD36-669C-4445-BD07-A4920D7D45FC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Missing page 16 of 16 of Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
FFD7AD36-669C-4445-BD07-A4920D7D45FC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC806 Notary Status is missing Yes Missing Notary status. (No Data) (No Data) (No Data) Not Applicable Complete
FFD7AD36-669C-4445-BD07-A4920D7D45FC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) (No Data) Complete
FFD7AD36-669C-4445-BD07-A4920D7D45FC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) (No Data) Complete
A7BD585E-8224-4F6F-8D84-884BF7623EB7 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
A7BD585E-8224-4F6F-8D84-884BF7623EB7 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Certificate, MI disclosed on final TIL. (No Data) (No Data) (No Data) (No Data) Complete
A7BD585E-8224-4F6F-8D84-884BF7623EB7 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
A7BD585E-8224-4F6F-8D84-884BF7623EB7 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
A7BD585E-8224-4F6F-8D84-884BF7623EB7 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
53615941-5637-4890-9F1D-1B5F6C5F7DA3 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
53615941-5637-4890-9F1D-1B5F6C5F7DA3 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
53615941-5637-4890-9F1D-1B5F6C5F7DA3 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL Discl. $XXX XXX Paystream $XXXDifference ($XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4AC5D5CA-04B2-4C4B-BCC5-CCF755AF018F XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing mortgage insurance certificate (No Data) (No Data) (No Data) (No Data) Complete
76DC3129-5E71-4494-A0DF-EE0C17A47065 XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX% with HDMA bench mark rate of XXX% causing variance of XXX% which exceeds XXX% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
32BCB375-F19D-4F41-BD01-60B4AE4923D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX% with HMDA Benchmark Rate XXX% causing HMDA Benchmark/APR Variance XXX% which exceeds HMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
32BCB375-F19D-4F41-BD01-60B4AE4923D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1497 File does not contain a repayment ability worksheet No Missing repayment ability worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
32BCB375-F19D-4F41-BD01-60B4AE4923D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application Date XXX, Initial GFE Dated XXX GFE given after XXX days from application. (No Data) (No Data) (No Data) Not Applicable Complete
32BCB375-F19D-4F41-BD01-60B4AE4923D6 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No Missing acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CBF607BD-8091-4590-A198-B5A9841CC6D0 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
CBF607BD-8091-4590-A198-B5A9841CC6D0 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Note Prepayment Penalty is Hard with no exclusions. State Provisions state penalty may not be collected if the prepayment funds come from the sale of the property. (No Data) (No Data) (No Data) Not Applicable Complete
0AE0BF19-E75B-403B-9C58-E7FCCE2037DC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT101 APR - Irregular pmt loan; underdisclosed APR > 0.250% No The final TIL APR is 10.4530%, the actual calculated APR is 11.7288%, which results in a difference of -1.2758% exceeding max threshold of 0.125%. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
0AE0BF19-E75B-403B-9C58-E7FCCE2037DC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.729% with HMDA Benchmark Rate of 4.720% causing variance of 7.009% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
0AE0BF19-E75B-403B-9C58-E7FCCE2037DC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0AE0BF19-E75B-403B-9C58-E7FCCE2037DC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. Lender's payment stream is $XXX for 359 months plus one final payment of $XXX for a total payment stream of $XXX. XXX calculated payment stream is $XXX for 24 months plus $XXX for 335 months plus one final payment of $XXX for a total payment stream of $XXX and a variance of $XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
CEFFC51C-D53B-43A1-8CBB-C0D605CFCBDA XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active A B A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No NEW: Per re-verified assets provided, loan does not meet DU requirements for assets required at $XXX. Re-verified assets at $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CEFFC51C-D53B-43A1-8CBB-C0D605CFCBDA XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Lenders status determination is not in file. (No Data) (No Data) (No Data) Not Applicable Complete
CEFFC51C-D53B-43A1-8CBB-C0D605CFCBDA XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation for asset issue as cited by the seller. 11/1/16 - requested documentation provided. 11/1/16 - Satisfied. (No Data) Not Applicable Complete
6F619C63-E27B-4833-B26D-156338017FBC XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Lenders status determination is not in file. QM worksheet in file does not provide rate test and lender's ATR/QM status. Review status: QM: Rebuttable Presumption (No Data) (No Data) (No Data) Not Applicable Complete
6F619C63-E27B-4833-B26D-156338017FBC XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No NEW: Re-verified employment documentation indicates that the borrower's employer does not exist, income documented questionable. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6F619C63-E27B-4833-B26D-156338017FBC XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing documentation regarding issue cited by seller as paystubs were from a company that doesn't exist. 11/1/16 - requested documentation provided. 11/1/16 - satisfied (No Data) Not Applicable Complete
6F619C63-E27B-4833-B26D-156338017FBC XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Federal Higher-Priced Active N/A B N/A B CMPFDHP2930 Federal higher-priced mortgage loan; not all ATR underwriting factors documented. No NEW: Test APR exceeds benchmark rate by more than 1.50%. Re-verified employment documentation indicates that the borrower's employer does not exist, income documented questionable. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6F619C63-E27B-4833-B26D-156338017FBC XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No Test APR exceeds benchmark rate by more than 1.50%. Test APR 5.656; Benchmark Rate 4.030; Benchmark/APR Variance 1.626; Rate Spread Trigger 1.5000% . (No Data) (No Data) (No Data) Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Lenders status determination is not in file (No Data) (No Data) (No Data) Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status: ATR Risk: Non-QM - Lender did not document all ATR UW factors. Loan DU approved with DTI at 44.41%. Review determined DTI to be at 81.16%, due to miscalculation of income. xxx 2 year average per tax returns yields DTI of 81.16%. 2013 tax return include unemployment amount. As such does not meet DU approval, missing lender's guidelines for ATR non-QM loans. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No The legal documents reflect no middle name or middle initial for the loan officer, the NMLS registry reflects a full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance RESPA Active B B B B CMPRESPA3468 RESPA-No evidence that Your Home Loan Toolkit was delivered to the borrower No Missing evidence tool kit was delivered to borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No 1. CD: xxx, Section: Contact Information, Field: Is the contact information section completed properly?, Value: No. Missing phone number and email for Settlement agent. 2. CD: xxx, Section: Closing Information, Field: Is the closing information section completed properly?, Value: No. Missing the file number. (No Data) (No Data) (No Data) Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No 1. CD: xxx, Section: Loan Costs, Field: Is the Loan Costs Details section properly formatted?, Value: No. Section C missing all the payees. 2. CD: xxx, Section: Summaries of Transactions, Field: Is the Borrowers Transaction Summary section properly formatted?, Value: No. Adjustments for Items Paid by Seller in Advance - County Taxes missing dates. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Provide CD acknowledged by borrower at least 3 days prior to closing. CD in file issued xxx and acknowledged xxx. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A78A5A6B-6E3D-4351-8D0F-9B3A093CDF2C XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3980 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD xxx Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final LE xxx Calculating Cash to Close Table. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Missing lender's guidelines for subject loan to determine income verification requirements. Missing Balance sheet. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Missing lender's guidelines for subject loan to determine income verification requirements. Missing Balance sheet. (No Data) (No Data) (No Data) Not Applicable Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA3468 RESPA-No evidence that Your Home Loan Toolkit was delivered to the borrower No No evidence that Your Home Loan Toolkit was delivered to the borrower (No Data) (No Data) (No Data) Not Applicable Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1151 SC Home Loans -Broker 'Amounts Earned' Disclosure not in file No Broker 'Amounts Earned' Disclosure not in file (No Data) (No Data) (No Data) (No Data) Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1159 SC Home Loans - Designated Agency Disclosure not in file No Designated Agency Disclosure not in file (No Data) (No Data) (No Data) (No Data) Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers is missing (No Data) (No Data) (No Data) Not Applicable Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No 1. CD: xxx and xxx Loan Costs Section B: Credit report and title services fees are missing the payee. 2. CD: xxx Summaries of Transactions Section L: County taxes is missing the to and from months. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3845 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No CD: xxx Calculating Cash to Close Section: Cash to Close - Loan Estimate, Value reflects $0.00 and Calculating Cash to Close Section: Clayton Calculation - Loan Estimate, Value reflects $10117.00. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
D43C3A96-994E-4C7C-9742-6E21A5486F06 XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3915 TRID - CD: The value for Downpayment/Funds From Borrower in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Final CD xxx Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final LE xxx Calculating Cash to Close Table. Total Closing Costs (J), Down Payment/Funds from Borrower and Estimated Cash to Close figures do not match. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
1863F63C-6AAB-4727-8C9D-D86B15B006A1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
1863F63C-6AAB-4727-8C9D-D86B15B006A1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial Lender TIL. (No Data) (No Data) (No Data) Not Applicable Complete
02A73EF5-F560-4671-BEF5-D41F2D681420 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final gradeXXX, non-material. (No Data) Not Applicable Complete
02A73EF5-F560-4671-BEF5-D41F2D681420 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final gradeXXX , non-material. (No Data) Not Applicable Complete
F47C3D4E-1C49-455E-A3F1-9A7065415BD7 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F47C3D4E-1C49-455E-A3F1-9A7065415BD7 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
F47C3D4E-1C49-455E-A3F1-9A7065415BD7 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F47C3D4E-1C49-455E-A3F1-9A7065415BD7 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
F47C3D4E-1C49-455E-A3F1-9A7065415BD7 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C35FBE3A-9475-4194-A580-C9CBCEEDEF4C XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C35FBE3A-9475-4194-A580-C9CBCEEDEF4C XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5B68E619-FD16-4BE6-897C-3FA5C77F9C80 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
98D0E66C-6A78-41C0-8597-52C556F8E9B0 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
4603F5E5-3DC3-44CD-A8B9-9996B04FFF96 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
94645A48-F234-41A0-AF22-5196803E6C38 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC3280 One or more Applications in file are incomplete No Application in file is missing page 2. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
94645A48-F234-41A0-AF22-5196803E6C38 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX HELOC early disclosure dated XXX, not delivered within XXX business days. (No Data) (No Data) (No Data) Not Applicable Complete
94645A48-F234-41A0-AF22-5196803E6C38 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date XXX, HELOC early disclosure dated XXX, not delivered within XXX business days. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
753CD8A0-4297-41E6-A866-FD005C813580 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
753CD8A0-4297-41E6-A866-FD005C813580 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
15921B3D-FEB5-457D-8262-221DFEF3E234 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
07B3F20E-A14C-46BC-883D-3A99730DE92E XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure Date of XXX is more than XXX business days after the application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
07B3F20E-A14C-46BC-883D-3A99730DE92E XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP1763 CT Home Loan - Prior Loan HUD 1 Missing, unable to accurately evaluate CT same lender refi limits Yes Missing HUD for Previous Loan required to evaluate same lender refi limits. (No Data) (No Data) (No Data) Not Applicable Complete
07B3F20E-A14C-46BC-883D-3A99730DE92E XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure Date of XXX is more than XXX business days after the application date of XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D670B20F-E7EE-47E7-BF5E-F4C90E4D1CCB XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure dated XXX was given over 3 days from Application dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
D670B20F-E7EE-47E7-BF5E-F4C90E4D1CCB XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure date of XXX is more than 3 days after the Application Date XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2CEEF1AE-26EE-4CDA-BFF5-A7F4F125E4EF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2CEEF1AE-26EE-4CDA-BFF5-A7F4F125E4EF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
2CEEF1AE-26EE-4CDA-BFF5-A7F4F125E4EF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within 3 days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
503BB0EA-5A3D-4878-A518-8A1E3810BF75 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2773BC79-2CD9-45EA-80EA-358B567EE00F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
2773BC79-2CD9-45EA-80EA-358B567EE00F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Early disclosure not dated. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
2773BC79-2CD9-45EA-80EA-358B567EE00F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No PPP of $XXX exceeds state maximum of 5% of amount prepaid. Prepayment penalty has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2773BC79-2CD9-45EA-80EA-358B567EE00F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No Early disclosure not dated. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
F21500D6-E08D-4233-93F3-BAF10158D15E XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E8D94D08-A8B9-4C66-A501-A535C11EE6FC XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure Date of XXX is more than 3 business days after the application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
E8D94D08-A8B9-4C66-A501-A535C11EE6FC XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure Date of XXX is more than 3 business days after the application date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A48D5C7-B306-4C73-AC3C-18D9E9170941 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
19727966-E78A-41F0-AD08-62C8EC18ECB9 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Early disclosure dated XXX, application date XXX. Disclosure not delivered within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
19727966-E78A-41F0-AD08-62C8EC18ECB9 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Early disclosure dated XXX, application date XXX. Disclosure not delivered within XXX days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8DC419EE-2864-4738-A805-0F539AEB86AE XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
406AE7A9-77D8-48D9-92C0-DF9352DAEBDF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
C842E331-940F-46EA-8A47-B919D1487106 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
C842E331-940F-46EA-8A47-B919D1487106 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within 3 days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D7A17B85-39D4-456C-9B9A-71AC5D777F82 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
D7A17B85-39D4-456C-9B9A-71AC5D777F82 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Early disclosure dated XXX application date XXX. Disclosure not delivered within XX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
D7A17B85-39D4-456C-9B9A-71AC5D777F82 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Early disclosure dated XXX, application date XXX. Disclosure not delivered within XXX days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6BE04473-1874-4F99-91A8-F67FEEEADC26 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
6BE04473-1874-4F99-91A8-F67FEEEADC26 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within XXX days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
598973F7-8FC1-441D-AFA7-DC70987CD163 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Condo Rider to the Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
598973F7-8FC1-441D-AFA7-DC70987CD163 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
598973F7-8FC1-441D-AFA7-DC70987CD163 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of XXX, HELOC Early Disclosure in file dated XXX. HELOC Early Disclosure not received within 3 days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9166E174-F5BD-404E-B20B-802EDB9433FA XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
5952E184-D976-49C5-BEB4-23C4BDD46A23 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
3929CE90-0415-49E3-AAFB-66F566C0F82C XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
91BA8E3B-42CE-45B5-951D-47F34B9B741B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
91BA8E3B-42CE-45B5-951D-47F34B9B741B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure dated XXX not provided within XXX business days of application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
91BA8E3B-42CE-45B5-951D-47F34B9B741B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure dated XXX not provided within XXX business days of application date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0434B2A1-39E7-4E07-9730-9251B6F4E79F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Early disclosure is not dated, unable to determine timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0434B2A1-39E7-4E07-9730-9251B6F4E79F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No HELOC Early Disclosure not dated. Unable to determine timely delivery to borrower. (No Data) (No Data) (No Data) Not Applicable Complete
1C3ACBCC-388E-4750-B768-660168ABAB63 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
1C3ACBCC-388E-4750-B768-660168ABAB63 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Disclosure dated XXX not within 3 days of Application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
1C3ACBCC-388E-4750-B768-660168ABAB63 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure dated XXX not within 3 days of Application date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D2544BF-71C7-476A-8133-BCF089D35644 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure dated XXX not provided within 3 business days of application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3D80D504-40AE-41AF-A2C2-66F9D885514A XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
7025A095-D67D-4147-87AD-98D1BDD7D64C XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
66C62331-F308-495E-BEE0-017336871218 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
777FA523-AB47-464E-AA3B-54EDA17B0C75 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Title missing (No Data) (No Data) (No Data) Not Applicable Complete
777FA523-AB47-464E-AA3B-54EDA17B0C75 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX, ARM Loan Program Disclosure dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
777FA523-AB47-464E-AA3B-54EDA17B0C75 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date XXX, Early Disclosure date XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EF8AC26A-9640-4986-A774-06FA44413C53 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
4F5CBD1B-B413-4732-9A40-C5B7BAC27965 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Early ARM Disclosure dated XXX not within XXX days of Application date of XXX (No Data) (No Data) (No Data) Not Applicable Complete
4F5CBD1B-B413-4732-9A40-C5B7BAC27965 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure dated XXX not within XXX days of Application date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4E4B68AE-E1C1-430D-AFE3-9FFE17FCA7E9 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
4E4B68AE-E1C1-430D-AFE3-9FFE17FCA7E9 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Early HELOC Disc in file is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
4E4B68AE-E1C1-430D-AFE3-9FFE17FCA7E9 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No Early HELOC Disc in file is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
7331FE21-536B-4CAE-A2E2-3D10334320E7 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure dated XXX not provided within XXX business days of application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
7331FE21-536B-4CAE-A2E2-3D10334320E7 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure dated XXX not provided within XXX business days of application date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
91BDBBE5-050C-4F1C-B84B-C4236EBE5852 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
98D352D3-CCE7-45A9-B46A-401DE7C51D3B XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Not Provided QM: Rebuttable Presumption C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Lender's ComplianceEase report in file indicates finding as a HPML, but does not provide a clear representation of status. Review status is Rebuttal Presumption. XXX - this isn't a compliance failure, HPML is simply a category, but not a violation XXX - do not disagree, Per the exception description, we are seeking the lender's ATR/QM status, which was not found to be explicitly represented in the file documentation provided. Exception to remain at this time. (No Data) Not Applicable Complete
98D352D3-CCE7-45A9-B46A-401DE7C51D3B XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Not Provided QM: Rebuttable Presumption C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Loan originator name on file docs has first and last name which does not match the NMLS. The NMLS includes the full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
98D352D3-CCE7-45A9-B46A-401DE7C51D3B XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Not Provided QM: Rebuttable Presumption C C C C Compliance Federal Higher-Priced Satisfied C A C A CMPFDHP2952 Federal Higher-priced mortgage loan - Appraisal disclosure not in file No Missing disclosure: We may order an appraisal to determine the propertys value and charge you for this appraisal. We will give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost. XXX - this was in the "closing docs" pdf. Attached here again as a separate file XXX - satisfied (No Data) Not Applicable Complete
98D352D3-CCE7-45A9-B46A-401DE7C51D3B XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Not Provided QM: Rebuttable Presumption C C C C Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Missing list of 10 homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
98D352D3-CCE7-45A9-B46A-401DE7C51D3B XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Not Provided QM: Rebuttable Presumption C C C C Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Fees subject to zero tolerance are greater on HUD-1 than on GFE. HUD fee for origination charge is XXX versus GFE XXX; and HUD fee for adjusted origination is XXX versus GFE XXX. No evidence of refund/revised HUD-1 in file (No Data) (No Data) (No Data) Not Applicable Complete
61C69C12-4643-4A87-AEFB-DAFBAB1DF045 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance Certificate is missing (No Data) Loan is no longer insured per tape. Final grade XXX. (No Data) Not Applicable Complete
61C69C12-4643-4A87-AEFB-DAFBAB1DF045 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD XXXand Post Close CD XXX, Summaries of Transactions Section: Utility Proration Trash Fee and Utility Proration Sewer Fee are missing the to and from date range. (No Data) (No Data) Hybrid Not Applicable Complete
61C69C12-4643-4A87-AEFB-DAFBAB1DF045 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need proof initial CD XXX was received by borrower XXX days before consummation date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
D3990D76-0BE9-4B06-A37F-AFDB80525C9F XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender's ATR/QM status determination XXX-Client provided ATR QM status determination of QM XXX. XXX Received ATR QM Status of QM XXX, Exception satisfied. (No Data) Not Applicable Complete
D3990D76-0BE9-4B06-A37F-AFDB80525C9F XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No CD: XXX, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX and Field: XXX Calculation - Loan Estimate, Value: XXX. Values doe not match. (No Data) (No Data) Numeric Not Applicable Complete
D3990D76-0BE9-4B06-A37F-AFDB80525C9F XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4283 TRID - CD: The value for Deposit in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CD Issued XXX Calculating Cash to Close Table (Loan Estimate column) does not match figures on XXX Calculating Cash to Close Table. Deposit does not match. (No Data) (No Data) Non-Numeric Not Applicable Complete
D3990D76-0BE9-4B06-A37F-AFDB80525C9F XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. TITLE Owner's Title Policy (Optional) is missing the Payee. Corrected on CD Issued XXX. Exception Satisfied. (No Data) (No Data) Hybrid Not Applicable Complete
F7D4DD49-0EB6-4D31-BA8F-D9AF3E0204A3 XXXXXX XXXXXX XXXXXX XXXXXX ND (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.269%, HMDA benchmark rate 4.550%, variance 7.719% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Review status is Non-QM: Lender did not document all ATR UW factors, Lender status is QM: XXX (No Data) (No Data) (No Data) Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status is Non-QM: Lender did not document all ATR UW factors. Monthly PITI does not include monthly MI payment (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4242 TRID - CD: The Paid Already by or on Behalf of Borrower at Closing amount disclosed in the CD Summary of Transactions section does not equal its component parts No CD XXX Discrepancy is directly related to Principal Reduction of XXX in the Summaries of Transaction, Section L. See exception CMPTRID4289 (No Data) (No Data) Numeric Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4244 TRID - CD: The Total Closing Costs (J) value in the LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a negative number No CD: XXX, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX. (No Data) (No Data) Numeric Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD XXX Summaries of Transaction, Section L, Other Credits, Principal Reduction is entered as a (-) negative number, should be entered as a (+) number. This value should appear as a positive value. (No Data) (No Data) Numeric Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX, Loan Information: MIC Cert Number is missing, (No Data) (No Data) Hybrid Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3590 TRID - At least one LE was delivered on or after the date that a CD was delivered No LE XXX is issued after CD XXX. LE cannot be issued after a CD, must have one day gap (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3957 TRID - CD: The Homeowner's Insurance escrow indicator in the CD Projected Payments section is not consistent with the inclusion of Homeowner's insurance in Escrowed/Non-Escrowed Property Costs over Year 1 in the CD Loan Disclosures section No CD XXX Loan Disclosures, Escrow Account, Non-Escrowed Property Costs over Year 1 is missing "Homeowner's Insurance" (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No No evidence of e-consent found in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4271 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain different values for Downpayment/Funds From Borrower but Did This Change? = No No Corrected on post close CD XXX (No Data) Exception satisfied Non-Numeric Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4298 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain different values for Adjustments and Other Credits but Did This Change? = No No Corrected on PC CD XXX (No Data) Exception satisfied Non-Numeric Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4302 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain different values for Total Closing Costs but Did This Change? = No No Corrected on PC CD XXX (No Data) Exception satisfied Non-Numeric Not Applicable Complete
5D530DB4-0817-412F-824F-88A7424B56C1 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4801 TRID - LE: In 5 Years: Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. No LE: In 5 Years: Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. (-3.80)This corrected on final CD (No Data) Exception satisfied Numeric Not Applicable Complete
43FD07F4-15E1-435C-A3AE-E310FE027CF7 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Lender status is QM XXX, Review status is NON QM lender did not document all ATR UW Factors, Missing a verbal VOE for the co borrower (No Data) (No Data) (No Data) Not Applicable Complete
43FD07F4-15E1-435C-A3AE-E310FE027CF7 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is NON QM lender did not document all ATR UW Factors, Missing a verbal VOE for the co borrower (No Data) (No Data) (No Data) Not Applicable Complete
43FD07F4-15E1-435C-A3AE-E310FE027CF7 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
43FD07F4-15E1-435C-A3AE-E310FE027CF7 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No H8 was used with a lender to lender REFI instead of H9 (No Data) (No Data) (No Data) Not Applicable Complete
43FD07F4-15E1-435C-A3AE-E310FE027CF7 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD XXX Calculating Cash to Close, Loan Estimate column does not match final LE XXX Calculating Cash to Close table (No Data) (No Data) Non-Numeric Not Applicable Complete
C1DB76D3-095B-4F4A-9930-29D11CBDC055 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.787% with HMDA Benchmark Rate of 4.810% causing variance of 4.977% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
1981F43B-EE6E-435B-9D53-ACFF8BE359AB XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1981F43B-EE6E-435B-9D53-ACFF8BE359AB XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial CD was issued on XXX with e-signature of XXX, Missing E Consent in file to determine timely delivery. XXX-Client provided E-consent XXX- Received E-consent, Exception satisfied. (No Data) Not Applicable Complete
34665AD0-280F-45DC-BA6B-47AF25A6BBAE XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed or initialed by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
34665AD0-280F-45DC-BA6B-47AF25A6BBAE XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by Borrower. (No Data) (No Data) (No Data) Not Applicable Complete
34665AD0-280F-45DC-BA6B-47AF25A6BBAE XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP312 TILA - Final TIL Date after actual transaction date No Final TIL print dated XXX; transaction date is XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
AA36E50A-E76D-4E44-8D4A-E5C3AF160D8C XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TIL Disclosure dated XXX, Application date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
AA36E50A-E76D-4E44-8D4A-E5C3AF160D8C XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
982FDAF4-2D64-4622-A697-80E99CE44D57 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL in file not dated by Borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7F1E074B-29EC-4EB4-A92B-CA5BD8A7AE30 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No MA Borrower Interest; Worksheet missing (No Data) (No Data) (No Data) Not Applicable Complete
7F1E074B-29EC-4EB4-A92B-CA5BD8A7AE30 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated XXX and application dated XXX. GFE given after 3 days from application (No Data) (No Data) (No Data) Not Applicable Complete
7F1E074B-29EC-4EB4-A92B-CA5BD8A7AE30 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
0285C435-A0C9-4499-884A-6786D14D6553 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Comparison of Hud and GFE charge page not provided. (No Data) (No Data) (No Data) Not Applicable Complete
0285C435-A0C9-4499-884A-6786D14D6553 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same. (No Data) (No Data) (No Data) Not Applicable Complete
0285C435-A0C9-4499-884A-6786D14D6553 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C C C C CMPFDCP3204 NMLS License verification found no results for Loan Originator Yes NMLS License verification found no results for Loan Originator. (No Data) (No Data) (No Data) Not Applicable Complete
845B991A-E935-42D1-9D23-C74260998B81 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.279 HMDA Benchmark Rate 4.930 HMDA Benchmark/APR Variance 5.349 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
845B991A-E935-42D1-9D23-C74260998B81 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL in file not dated by Borrower. (No Data) (No Data) (No Data) Not Applicable Complete
78474B3B-C2B2-48DE-AF42-9F9A55295712 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.934 HMDA Benchmark Rate 4.950 HMDA Benchmark/APR Variance 7.984 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
78474B3B-C2B2-48DE-AF42-9F9A55295712 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4B22AE38-0102-415F-8C41-2D8DEC7FA691 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TIL dated XXX, application dated XXX (No Data) (No Data) (No Data) Not Applicable Complete
4B22AE38-0102-415F-8C41-2D8DEC7FA691 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated $XXX. Finance charges per Final TIL $XXX, finance charges calculated by payment stream $XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
4B22AE38-0102-415F-8C41-2D8DEC7FA691 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing lender GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A5FF4636-1E40-4769-8181-B4B1430E667C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A5FF4636-1E40-4769-8181-B4B1430E667C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A5FF4636-1E40-4769-8181-B4B1430E667C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A5FF4636-1E40-4769-8181-B4B1430E667C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A5FF4636-1E40-4769-8181-B4B1430E667C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A5FF4636-1E40-4769-8181-B4B1430E667C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
A5FF4636-1E40-4769-8181-B4B1430E667C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
5F45B6DD-42FB-4615-A0F9-6DC53787A6EB XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable A A A A                               Complete
7432C17F-46FC-4275-809D-01986F0BA138 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
4136B62C-C49E-4F37-BBB3-F38BEC6D0972 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.576%, the benchmark APR is 4.860% resulting in a difference of 5.716%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
4136B62C-C49E-4F37-BBB3-F38BEC6D0972 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Final TIL total of payments XXX, total of payments by payment stream XXX, variance XXX. Lender issued explanation letter, ROR and corrected TIL dated XXX to the borrower, no evidence of delivery provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4136B62C-C49E-4F37-BBB3-F38BEC6D0972 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL finance charges XXX, finance charges by payment stream XXX, variance XXX.Lender issued explanation letter, ROR and corrected TIL dated XXX to the borrower, no evidence of delivery provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
714A54D0-770C-46B3-9342-92C3AB19B14B XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable A A A A                               Complete
E1A0C6C5-1E4D-4667-A354-BB05656387B7 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Missing Itemized disclosure of fees not provided prior to closing XXX - Acknowledgment provided. XXX - Acknowledgement provided is dated at transaction. Missing itemized disclosure of fees. Exception remains. (No Data) Not Applicable Complete
34899B3C-F5C7-4785-9E2D-C494E3BF1F31 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
E5491A69-9192-455A-98CD-429DC5710FFD XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
4427E3CE-CDD3-4DCB-AA49-D7E7AA395EE3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
2B141EB6-CA70-4B80-8C32-70F7BF70C70D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Early TIL not in file Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing Good Faith Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. Unable to capture fees due to missing docs. (No Data) (No Data) (No Data) Not Applicable Complete
E7CEBB21-DBEF-4D31-945E-D8989A248E4E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E578DC86-260D-441C-A952-B77F3F12F2BD XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9B7E6CE0-F96C-4C56-8B58-23EE5A159EBB XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing initial ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
C66ABAB3-ADF9-4288-880F-FBDD374D1AEA XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No The application date is XXX; the earliest TIL in file is dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
C66ABAB3-ADF9-4288-880F-FBDD374D1AEA XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No The application date is XXX; the earliest GFE in file is dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
C66ABAB3-ADF9-4288-880F-FBDD374D1AEA XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2442 Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) No The property securing this loan is in the 3rd Circuit. In XXX the U.S. Court of Appeals, 3rd Circuit held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind. This decision has not been overturned. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
F7E67FB1-E148-40EA-BF07-4A166D1E924A XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
4F83B320-F84E-494F-8928-EFD03DA11417 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
4F83B320-F84E-494F-8928-EFD03DA11417 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Initial and Final Applications. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. Affidavit of Lost Note in file. (No Data) (No Data) (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
39A5B00E-E7B0-4020-B8D7-6A09E7BFC7A0 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1E366009-14AA-498E-B3AD-D772F58891CA XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX% with HMDA Benchmark Rate XXX% causing HMDA Benchmark/APR Variance XXX% which exceeds HMDA Rate Spread Trigger XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM4625 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Claytons status determination places loan in a better status than the Lenders status determination No Lender status is NON QM Lender documented all ATR UW Factors, review status is QM XXX. XXX-Client provided ATR QM status determination of NON QM Lender documented all ATR UW factors XXX-Received ATR QM status determination of NON QM Lender documented all ATR UW factors, Review status of QM XXX--New exception (No Data) Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination XXX-Client provided ATR QM status determination of NON QM Lender documented all ATR UW factors XXX-Received ATR QM Status of NON QM Lender documented all ATR UW Factors, Exception satisfied. (No Data) Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing Loan Note Guarantee. (No Data) (No Data) (No Data) Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance State Consumer Protection Active B B B B CMPSTCP117 OH CSPA; Home Mortgage Information Document not provided No Missing Home Mortgage Information Document. (No Data) (No Data) (No Data) Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1770 OH CSPA; Required Closing Disclosure not provided to borrower No OH CSPA Closing Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX, Section: Summaries of Transactions: Sale Price of Property minus Loan Amount is: ($XXX), does not match Calculating Cash to Close, Field: Down Payment/Funds from Borrower - Final, Value: XXX. USDA Loan. (No Data) (No Data) Numeric Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4463 TRID - Assumption selection on the CD does not match the clause in the mortgage. No TRID - Assumption selection on the CD does not match the clause in the mortgage. (No Data) (No Data) Non-Numeric Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3776 TRID - LE or CD does not meet TRID requirements No LEXXX& LEXXX: NMLS lender missing License state entry. Corrected on CD XXX. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
5C83EEE0-658D-43DC-BCEC-74BB5ED66329 XXXXXX XXXXXX XXXXXX XXXXXX OH Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXX, Section: Other Costs, section (B) Missing payee for Flood Cert. Appraisal and MI fee. Corrected on CD XXX. Exception satisfied. 2. CD: XXX, Section: Other Costs, Section (E) missing breakdown of Recording Fees; Section (F) missing end date for Prepaid Interest. Corrected on CDXXX. Exception cancelled. 3. CD XXXSection Transaction Information; Seller address missing. Corrected on CD XXX. Exception satisfied. (No Data) (No Data) Hybrid Not Applicable Complete
19F3DA93-F989-4026-B29B-1E6616F405B2 XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR ofXXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
19F3DA93-F989-4026-B29B-1E6616F405B2 XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
3905FCFD-0719-491A-9E6C-F82720483047 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.662% with HMDA Benchmark Rate of 4.520% causing variance of 7.142% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
9CF0A194-DCCF-4ED4-B871-4D6183EA6157 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9CF0A194-DCCF-4ED4-B871-4D6183EA6157 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
C2EC9740-4F52-4418-AC07-1B1AE5AF6EA0 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX% with HDMA bench mark rate of XXX% causing variance of XXX% which exceeds XXX% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
C2EC9740-4F52-4418-AC07-1B1AE5AF6EA0 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
C2EC9740-4F52-4418-AC07-1B1AE5AF6EA0 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1, Note or Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Til (No Data) (No Data) (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final Til (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final Til (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Hud-1 XXClient provide correspondence stating cannot provide Final HUD 1 XXX- Received Correspondence stating client cannot provide Final HUD 1, Exception remains (No Data) Not Applicable Complete
32C49932-15D2-4BB9-B62D-283A33D5331B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Missing from MOD (No Data) (No Data) (No Data) Not Applicable Complete
ADF5D6F2-9E0B-4AF5-99C0-161B6DBA24D8 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. Lender did not include Prepayment Finance Charges of E-Mail Doc Delivery ($XXX), Wire Fee ($XXX), or Courier Fee ($XXX) on the TIL Itemization. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
21055592-E633-4B2E-B852-C1D19BAA9E28 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
2A4D4F3C-16C0-4A00-ABD5-C8BF74BE8E5D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
0CEE154A-C1EC-4B21-99AD-394EFC016B4C XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A B A B Compliance Finance Charge Tolerance Active N/A B N/A B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated $XXX Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D16A7897-D314-4DE3-BED2-C112B61456DA XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1 in file- HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
D16A7897-D314-4DE3-BED2-C112B61456DA XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
1C4A04BA-15FD-4998-BCEC-7F98B05BF0CE XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 7.919% per final TIL with a benchmark rate of 4.880% resulting in a variance of 3.039% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
1C4A04BA-15FD-4998-BCEC-7F98B05BF0CE XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
1C4A04BA-15FD-4998-BCEC-7F98B05BF0CE XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
1C4A04BA-15FD-4998-BCEC-7F98B05BF0CE XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1C4A04BA-15FD-4998-BCEC-7F98B05BF0CE XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
241160CB-D5B8-4F31-AC95-B271268A51FC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
241160CB-D5B8-4F31-AC95-B271268A51FC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
241160CB-D5B8-4F31-AC95-B271268A51FC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
241160CB-D5B8-4F31-AC95-B271268A51FC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
241160CB-D5B8-4F31-AC95-B271268A51FC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing ROR Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
241160CB-D5B8-4F31-AC95-B271268A51FC XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
27B075B1-1922-475E-850F-357A5C26ED62 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of XXX, TIL in file Dated XXX. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
27B075B1-1922-475E-850F-357A5C26ED62 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
13A38E72-5023-402A-9DD9-3A6AC2A80125 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.653%; HMDA benchmark rate 4.660%. APR variance of 6.993% exceeds 3.000% threshold. (No Data) (No Data) (No Data) Not Applicable Complete
13A38E72-5023-402A-9DD9-3A6AC2A80125 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
9B2B2F86-BC8C-4479-BE66-172ECC76D689 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
6020045B-91C8-450A-924F-7015E0B0589F XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
6020045B-91C8-450A-924F-7015E0B0589F XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
6020045B-91C8-450A-924F-7015E0B0589F XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
789D12D5-4560-44AB-8DBC-77F27ADBCA9C XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
789D12D5-4560-44AB-8DBC-77F27ADBCA9C XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1151 SC Home Loans -Broker 'Amounts Earned' Disclosure not in file No Missing Broker 'Amounts Earned' Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
789D12D5-4560-44AB-8DBC-77F27ADBCA9C XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1159 SC Home Loans - Designated Agency Disclosure not in file No Missing Designated Agency Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL at closing Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing estimated/final HUD. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
D5C48AF1-FD0A-42EC-B68F-1FF4C59B4E39 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
CC5408B7-6F86-4FA7-A1ED-CF2B572D9752 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.382% with HMDA Benchmark Rate of 4.480% causing variance of 7.902% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
F926F0EE-C6F8-439A-865C-F749F96C317F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
F926F0EE-C6F8-439A-865C-F749F96C317F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
F926F0EE-C6F8-439A-865C-F749F96C317F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance State Rate Spread Active C C C C CMPSRS300 NY Subprime Home Loan Yes NY Subprime Home Loan (No Data) (No Data) (No Data) Not Applicable Complete
614A248F-F49B-4123-B478-A27BAAF9DD92 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Final title Schedule B includes mortgages paid at closing and closed accounts. (No Data) (No Data) (No Data) Not Applicable Complete
614A248F-F49B-4123-B478-A27BAAF9DD92 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.755% with HMDA Benchmark Rate of 4.280% causing variance of 5.475% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status is Non-QM: Lender did not document all ATR UW factors. Loan file is missing AUS Income, Assets, Credit Report, 2nd Lien Docs and Rate Lock (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing Lender's ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Repayment Ability Active B B B B CMPSTRA1497 File does not contain a repayment ability worksheet No Missing ATR worksheet (No Data) (No Data) (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing homeowners counseling disclosure (No Data) (No Data) (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing Initial/Final GFE (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
31450857-E276-4197-BA6E-3A5FBC4159B6 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No Missing MN Oral Tax/Ins disclosure (No Data) (No Data) (No Data) Not Applicable Complete
82A090C0-06AB-43DF-9850-C22FEAB0F894 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
51F22BF7-CE66-4207-8883-8BFA1975EC6F XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TILA - Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
51F22BF7-CE66-4207-8883-8BFA1975EC6F XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP312 TILA - Final TIL Date after actual transaction date No Transaction date is XXX with final TIL date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
43F291BF-1CC3-4A23-9D47-0C3F53CD7906 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable A A A A                               Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active N/A B N/A B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Insufficient documentation to confirm monthly MI renewal/amounts (No Data) (No Data) (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
7BB937DC-5D5F-4DD2-8F7C-DF227674FDBB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06955449-EF37-45A0-94E2-C95CBAEF7075 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
06955449-EF37-45A0-94E2-C95CBAEF7075 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
60239E39-DCC6-4F5B-AC00-294AA336C9E7 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
633DDC5F-AC05-4D49-A57B-FF7E2F47F5F7 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
2FD0FD62-5B6C-4E9F-8F0C-7A14A85C7410 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable A A A A                               Complete
08F01B17-BA92-4086-8F3F-C05E0063963E XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
5C8EE24D-37FA-4448-BFEE-3724BE5C37CA XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing mortgage insurance certificate (No Data) (No Data) (No Data) Not Applicable Complete
5C8EE24D-37FA-4448-BFEE-3724BE5C37CA XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.914% with HMDA Benchmark Rate of 4.910% causing variance of 3.004% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) Upon further review: Cancelled due to data point change. (No Data) Not Applicable Complete
F9F4354B-7EAC-4C64-9204-066184FFEAD1 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable A A A A                               Complete
58B855B9-A7D4-4038-961D-766E9BAE1D30 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
83EB1220-60C3-4FE3-9184-8F4A1EEC6500 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
83EB1220-60C3-4FE3-9184-8F4A1EEC6500 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
83EB1220-60C3-4FE3-9184-8F4A1EEC6500 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
83EB1220-60C3-4FE3-9184-8F4A1EEC6500 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
83EB1220-60C3-4FE3-9184-8F4A1EEC6500 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR is missing; disbursement date per file XXX. Earliest rescission date allowable is XXX. Loan funds were disbursed prior to mandatory rescission period expiration date. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
83EB1220-60C3-4FE3-9184-8F4A1EEC6500 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
0703F008-FE37-4927-B1A3-C37C5861DC7A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
0703F008-FE37-4927-B1A3-C37C5861DC7A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0703F008-FE37-4927-B1A3-C37C5861DC7A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1A14926C-381D-4087-B67B-1AA55C500389 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.951% with HMDA Benchmark Rate of 4.750% causing variance of 3.201% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
1ED2BF1E-7096-4F41-A83B-9E2541B3207E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
1ED2BF1E-7096-4F41-A83B-9E2541B3207E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.991% with HMDA Benchmark Rate of 4.760% causing variance of 3.231% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
1ED2BF1E-7096-4F41-A83B-9E2541B3207E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late fee per note reflects, If a payment is more than 15 days late, Borrower will be charged a late charge of 5% of the overdue payment amount; NY State Statute requires late fee of no more than 2% of the payment amount if the loan is more than 15 days late, therefore late fee exceeds maximum. (No Data) (No Data) (No Data) Not Applicable Complete
E1681033-B5D5-4731-AE32-403E7EA1675D XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing mortgage insurance certificate (No Data) (No Data) (No Data) Not Applicable Complete
E1681033-B5D5-4731-AE32-403E7EA1675D XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 8.861 HMDA Benchmark Rate 4.660 HMDA Benchmark/APR Variance 4.201 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
E1681033-B5D5-4731-AE32-403E7EA1675D XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of XXX, TIL in file Dated XXX. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
E1681033-B5D5-4731-AE32-403E7EA1675D XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1307 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated No Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). (No Data) (No Data) (No Data) Not Applicable Complete
E1681033-B5D5-4731-AE32-403E7EA1675D XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP1297 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file Yes Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). (No Data) (No Data) (No Data) Not Applicable Complete
2B31876E-ADD8-453D-9BAB-9342C6DCAB84 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
B7848DC9-57D5-4F0C-94A5-0BD74591B2B6 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A8850189-8DD9-469C-A875-A6893DAB492B XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
A8850189-8DD9-469C-A875-A6893DAB492B XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D6DCB11A-70E7-487D-944C-85A5D44384A5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
D6DCB11A-70E7-487D-944C-85A5D44384A5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
D6DCB11A-70E7-487D-944C-85A5D44384A5 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX, ARM Disclosure in file Dated XXX. Lender ARM Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
C7FA9C91-6ED9-4462-96B1-1F3236339461 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2442 Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) No The property securing this loan is in the 3rd Circuit. In XXX the U.S. Court of Appeals, 3rd Circuit held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind. This decision has not been overturned. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
EA1CD748-B66D-418C-8118-5323E537FF26 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable A A A A                               Complete
C3F9BFBE-05CB-4C70-AB46-88FB4309429F XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.922% with HMDA Benchmark Rate of 4.880% causing variance of 3.042% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
89C0FB23-0EE3-4AD5-ADB4-FB27045D8950 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
37BFD9F1-DD65-494F-99FA-885789BB1FA6 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A6802FDF-980D-457E-8D44-A8BFBECAE240 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.526% with HMDA Benchmark Rate of 4.880% causing variance of 3.646% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
EBDB3BF0-884F-4972-9966-85FCC617766C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
EBDB3BF0-884F-4972-9966-85FCC617766C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.933% with HMDA Benchmark Rate of 4.910% causing variance of 3.023% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
B42CFD4E-945E-48F0-9322-E8FFEFAB005D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TIL not dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
77CF651B-DE55-421F-9479-38CFD053DE27 XXXXXX XXXXXX XXXXXX XXXXXX (No Data) (No Data) ATR/QM: Not Applicable A D A D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes Incomplete file - unable to test. There are no origination documents in the file. (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
77CF651B-DE55-421F-9479-38CFD053DE27 XXXXXX XXXXXX XXXXXX XXXXXX (No Data) (No Data) ATR/QM: Not Applicable A D A D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP304 TILA - Transaction date unknown/missing No - Transaction date unknown/missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Missing File; Unavailable for Review
C006E249-1B40-4640-8775-F80E34FB9B06 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD issued XXXX-1, XXXX-1, XXXX-1, XXXX-2 Projected Payments Estimated Taxes, Insurance & Assessments Other indicated missing payee. (No Data) (No Data) Non-Numeric Not Applicable Complete
C006E249-1B40-4640-8775-F80E34FB9B06 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Provide Change of Circumstance or Proof or refund for Zero tolerance overage of XXXX,(Post close CD issued XXXX in file has credit XXXX) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C006E249-1B40-4640-8775-F80E34FB9B06 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3530 TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation No LE issued XXXX-1, , XXXX-1 Projected Payments Estimated Taxes, Insurance & Assessments Other indicated missing payee. (No Data) (No Data) Non-Numeric Not Applicable Complete
41739A31-2D92-47DA-BA7A-94FD1182B1C3 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN2956 Missing disclosure No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
41739A31-2D92-47DA-BA7A-94FD1182B1C3 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
41739A31-2D92-47DA-BA7A-94FD1182B1C3 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
8DDB6E6E-5943-4F8B-BC2C-AD406B5ECF56 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Rebuttable Presumption ATR/QM: Exempt C B C B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM4821 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination. No Loan is DU approved with Special Feature Code XXX, loan is ATR/QM Exempt (No Data) (No Data) (No Data) Not Applicable Complete
8DDB6E6E-5943-4F8B-BC2C-AD406B5ECF56 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Rebuttable Presumption ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, In the Other costs section, the prepaid interest is missing the to date. (No Data) (No Data) Hybrid Not Applicable Complete
8DDB6E6E-5943-4F8B-BC2C-AD406B5ECF56 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Rebuttable Presumption ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Need evidence of change of circumstances letter for the seller paid Title Recording Service fee $XXX and the Title Settlement Fee $XXX or a copy of a refundable check in the amount of XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8DDB6E6E-5943-4F8B-BC2C-AD406B5ECF56 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Rebuttable Presumption ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3770 TRID - Error #9 discovered on Loan Estimate No LE : XXX& LE XXX; missing Lender State License ID entry. Corrected on CD XXX.Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
8DDB6E6E-5943-4F8B-BC2C-AD406B5ECF56 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Rebuttable Presumption ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4801 TRID - LE: In 5 Years: Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. No The condition is valid. Appears that they calculated the In XXX Years using the actual monthly MI payment amount instead of the rounded amount (nothing in the file to confirm the actual monthly amount). The difference between the manual calculation and system calculation is due the monthly MI payment changing on the CD. However,XXX can be downgraded to a satisfied 2 due to the TOP calculation on the final CD being within tolerance. (No Data) (No Data) Numeric Not Applicable Complete
E2DDD896-D3C5-4CBD-AC92-D0BF12C05F3B XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable A A A A                               Complete
960D4386-29AE-41A1-B1F3-098212D54B53 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
960D4386-29AE-41A1-B1F3-098212D54B53 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Disclosure not dated. (No Data) (No Data) (No Data) Not Applicable Complete
960D4386-29AE-41A1-B1F3-098212D54B53 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Loan is Construction/Perm and final TIL states there are 18 payments of interest only during construction but there is no dollar amount listed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4AB4F1FD-D2D5-4980-A729-AE7AF13D1C67 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.213% with HMDA Benchmark Rate of 3.440% causing variance of 4.773% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4AB4F1FD-D2D5-4980-A729-AE7AF13D1C67 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing Final HUD-1. XXX HUD-1 provided. XXX Exception satisfied. (No Data) Not Applicable Complete
9DEA019E-BB13-4763-831D-99754E2E7090 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
EB1F6731-5F85-4698-B311-48163B33CFBD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
EB1F6731-5F85-4698-B311-48163B33CFBD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
EB1F6731-5F85-4698-B311-48163B33CFBD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Final TIL Disclosed Total of Payments is $XXX, per XXX pay Stream calculations of Total of Payments is $XXX, resulting in a difference of $XXX. Final TIL doesn't reflect payments during construction period. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EB1F6731-5F85-4698-B311-48163B33CFBD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
35D31DF7-647A-40FD-B1AB-403943F3E64C XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
E90C11F7-EF7E-47ED-9D6C-F5E86BAA7883 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B D B D Compliance Compliance Manual Active N/A B N/A B CMPMAN4641 TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business No Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. (No Data) (No Data) (No Data) Not Applicable Complete
E90C11F7-EF7E-47ED-9D6C-F5E86BAA7883 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B D B D Compliance Documentation Active N/A D N/A D CMPDOC3268 Note in file is incomplete Yes Note incomplete due to missing P&I payment. (No Data) (No Data) (No Data) Not Applicable Complete
E90C11F7-EF7E-47ED-9D6C-F5E86BAA7883 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B D B D Compliance Federal Consumer Protection Satisfied B A B A CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by Borrower. (No Data) (No Data) (No Data) Not Applicable Complete
AF2521B4-8C6F-4A81-80FE-B179351304E0 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable A A A A                               Complete
D35CC6DE-93D6-4988-BF67-7269E1B1F582 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.907% with HDMA bench mark rate of 4.710% causing variance of 5.197% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
6F70D0DD-BDE4-4378-932F-8B392E99B357 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 360 HMDA Benchmark Date XXX Test APR 9.715 HMDA Benchmark Rate 4.420 HMDA Benchmark/APR Variance 5.295 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
2DF2A7A9-144D-47B1-BE48-C39DF6B0A85B XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Satisfied D A D A CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 No Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. XXX HUD-1 provided. XXX Exception satisfied. (No Data) Not Applicable Complete
2DF2A7A9-144D-47B1-BE48-C39DF6B0A85B XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
64C39684-4900-440F-89B3-7CE34E9E20A6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
64C39684-4900-440F-89B3-7CE34E9E20A6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.766% with HMDA Benchmark Rate of 4.78% causing variance of 3.986% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
64C39684-4900-440F-89B3-7CE34E9E20A6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
64C39684-4900-440F-89B3-7CE34E9E20A6 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D254E669-810E-4B1B-BCE4-41C3A9FE19C4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
D254E669-810E-4B1B-BCE4-41C3A9FE19C4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D254E669-810E-4B1B-BCE4-41C3A9FE19C4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D254E669-810E-4B1B-BCE4-41C3A9FE19C4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D254E669-810E-4B1B-BCE4-41C3A9FE19C4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D254E669-810E-4B1B-BCE4-41C3A9FE19C4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D254E669-810E-4B1B-BCE4-41C3A9FE19C4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
87706038-8599-4F82-AB5C-5A052A5C978E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
87706038-8599-4F82-AB5C-5A052A5C978E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
87706038-8599-4F82-AB5C-5A052A5C978E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A1FC49A6-6D85-4E4A-84BB-654BF1038A0C XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A1FC49A6-6D85-4E4A-84BB-654BF1038A0C XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.896% with HMDA Benchmark Rate of 4.690% causing variance of 7.206% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A1FC49A6-6D85-4E4A-84BB-654BF1038A0C XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A1FC49A6-6D85-4E4A-84BB-654BF1038A0C XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A1FC49A6-6D85-4E4A-84BB-654BF1038A0C XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2BC3926B-CFDE-461B-9ABC-692A6226ED84 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.067 HMDA Benchmark Rate 4.530 HMDA Benchmark/APR Variance 6.537 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
2BC3926B-CFDE-461B-9ABC-692A6226ED84 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Lender application date is XXX, ARM Disclosure is dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
A1017E7B-B465-453A-9B64-ABA1C50B9FB1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.239% with HMDA Benchmark Rate of 4.860% causing variance of 3.379% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
9CB76F16-CF3C-45F1-96EF-722C39DD422A XXXXXX XXXXXX XXXXXX XXXXXX MT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.547% with HMDA Benchmark Rate 5.110% causing HMDA Benchmark/APR Variance 5.437% which exceeds HMDA Rate Spread Trigger 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
9CB76F16-CF3C-45F1-96EF-722C39DD422A XXXXXX XXXXXX XXXXXX XXXXXX MT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.311% with HMDA Benchmark Rate of 4.720% causing variance of 4.591% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
6A087B6B-1B1C-43B3-8622-15DF9331DB0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C7B5F88C-AC29-4D7C-92B8-C0BF72F69314 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI certificate. (No Data) (No Data) (No Data) Not Applicable Complete
C7B5F88C-AC29-4D7C-92B8-C0BF72F69314 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
C7B5F88C-AC29-4D7C-92B8-C0BF72F69314 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2600414B-BAC3-47CC-AA85-5548A7607478 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
2C9729E8-0F5D-4165-BF87-4846E44FC65A XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.757% with HMDA Benchmark Rate of 4.560% causing variance of 5.197% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
2C9729E8-0F5D-4165-BF87-4846E44FC65A XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2C9729E8-0F5D-4165-BF87-4846E44FC65A XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL total of payments is $XXX. Actual total of paystream is $XXX for a $XXX variance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F271E7BC-3A86-40CF-8BFE-63F442B15B1A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F271E7BC-3A86-40CF-8BFE-63F442B15B1A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 8.990 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 4.270 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
F271E7BC-3A86-40CF-8BFE-63F442B15B1A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
F271E7BC-3A86-40CF-8BFE-63F442B15B1A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F271E7BC-3A86-40CF-8BFE-63F442B15B1A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F271E7BC-3A86-40CF-8BFE-63F442B15B1A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F271E7BC-3A86-40CF-8BFE-63F442B15B1A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
369C521E-B61E-4ED5-B021-5C5A9AF0C9ED XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F26454AD-8145-4849-80E9-0E2D495B693D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F26454AD-8145-4849-80E9-0E2D495B693D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F26454AD-8145-4849-80E9-0E2D495B693D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F26454AD-8145-4849-80E9-0E2D495B693D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F26454AD-8145-4849-80E9-0E2D495B693D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
F26454AD-8145-4849-80E9-0E2D495B693D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F26454AD-8145-4849-80E9-0E2D495B693D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing Final HUD-1. XXX- HUD provided. XXX- Exception satisfied. (No Data) Not Applicable Complete
AF472104-3F70-4A90-B4AB-53F6EDDBA722 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT101 APR - Irregular pmt loan; underdisclosed APR > 0.250% No TIL disclosed APR is 5.0560%. Actual calculated APR per payment stream is 5.6564% for a variance of .6004% exceeding max threshold of .250%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AF472104-3F70-4A90-B4AB-53F6EDDBA722 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
AF472104-3F70-4A90-B4AB-53F6EDDBA722 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
AF472104-3F70-4A90-B4AB-53F6EDDBA722 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
AF472104-3F70-4A90-B4AB-53F6EDDBA722 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX by payment stream. Lender's TIL payment stream is 60 months at $XXX; 60 months at $XXX; 239 months at $XXX; and 1 month at $XXX versus calculated payment stream of 60 months at $XXX; 60 months at $XXX; 239 months at $XXX; and 1 months at $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AC9D1733-4546-46AC-B7B5-0C7CB8A1AC84 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Initial 1003 dated XXX - Initial TIL dated XXX (No Data) (No Data) (No Data) Not Applicable Complete
AC9D1733-4546-46AC-B7B5-0C7CB8A1AC84 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Initial 1003 dated XXX - Initial GFE dated XXX (No Data) (No Data) (No Data) Not Applicable Complete
E1D30E0C-6650-42DE-902B-3998631E12D8 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1D30E0C-6650-42DE-902B-3998631E12D8 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1D30E0C-6650-42DE-902B-3998631E12D8 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1D30E0C-6650-42DE-902B-3998631E12D8 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP307 TILA - Missing TIL at application No Missing early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
E1D30E0C-6650-42DE-902B-3998631E12D8 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
E1D30E0C-6650-42DE-902B-3998631E12D8 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing Final Hud1 XXX- HUD-1 provided. XXX- Exception satisfied. (No Data) Not Applicable Complete
0B3E0A06-E532-4A70-939B-BC3CBA638282 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0B3E0A06-E532-4A70-939B-BC3CBA638282 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No Missing Acknowledgement of Oral Tax and Insurance disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B79A205B-3342-45AA-9D41-6657523883F8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
EBD4B792-64DF-4EBC-B3F9-4F21836FCB89 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0CACD9E0-39B9-4693-96F8-E1F741DA5778 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
018A7975-D087-4271-BF19-F6BD0A1DE878 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A B A B Compliance Finance Charge Tolerance Active N/A B N/A B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B39B3B54-A14B-4A7F-BB85-233DE1BAD976 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of XXX, Initial TIL in file dated XXX. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
B39B3B54-A14B-4A7F-BB85-233DE1BAD976 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file dated XXX. Lender Initial GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
D7368EAA-922A-4533-B2C0-E0ACABC73942 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
62E087DD-3D6C-41F4-900A-5ACD2D205DC8 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable A A A A                               Complete
35DD7BBB-D91A-40C5-99C6-C8CB58E7AF73 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
35DD7BBB-D91A-40C5-99C6-C8CB58E7AF73 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Prepayment penalty type XXX% of UPB, State maximum prepayment penalty type 6 months interest on XXX% of UPB. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
451A7C1C-3932-420B-9218-1AB1A37D0C53 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Maximum prepayment penalty is 2 mos interest on amt prepd >1/3 of OPB. Prepayment penalty per note is 2% of amt prepaid if the aggregate exceeds $XXX in any calendar month. Prepayment penalty expired XXX in 36 months. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
35CAAA61-E4BF-4D28-8EA6-9B1CFDCD25F6 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
EF1F34E7-54A4-4005-8819-0E25DBE4AD34 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable A B A B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.919% with benchmark rate of 4.72% for a variance of 3.199% exceeding the rate spread trigger of 3% (No Data) (No Data) (No Data) Not Applicable Complete
48EE1A9A-DE51-4504-AB9D-5735C8BCA8A5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
7448AE45-D999-4BFD-9753-BA9644DF27D9 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance Borrower's Interest Active B B B B CMPBI1622 RI Borrower Interest; NTB Disclosure not in file No Missing NTB Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
7448AE45-D999-4BFD-9753-BA9644DF27D9 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1307 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated No Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
7448AE45-D999-4BFD-9753-BA9644DF27D9 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP1297 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file Yes Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
BD3288B9-F5FA-4A07-80D2-DB0EC85950B7 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.617% with HMDA Benchmark Rate 4.480% causing HMDA Benchmark/APR Variance 3.137% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC4027 Incomplete file - unable to test Yes Incomplete file - unable to test. There are no origination documents in the file. (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial Til (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final Til (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Hud (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
18D04C6A-3FB2-4D44-A1CF-4FEAD7F000D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file Yes Missing Cert of Compliance or Cert of Exemption in file (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
13261DAB-4F89-40AE-A182-A0C79E5E8A52 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender's ATR/QM status determination XXX Client provided XXX XXX Exception satisfied (No Data) Not Applicable Complete
13261DAB-4F89-40AE-A182-A0C79E5E8A52 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No NMLS reflects individual loan originators full middle name, legal docs in file are missing full middle name or middle initial (No Data) (No Data) (No Data) Not Applicable Complete
13261DAB-4F89-40AE-A182-A0C79E5E8A52 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing initial GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing Mortgage Insurance certificate. (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Missing homeowners counseling provided within 3 days of application date (No Data) (No Data) (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD: XXX and PC CD XXX Other Costs Section F: City/ County property tax is missing the payee. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence initial CD XXX was received by borrower 3 days before consummation date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No CD: XXX and PC CD XXX Other Costs Section E: Recording Fee does not itemize whether fees are from Mortgage or Deed. (No Data) (No Data) (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Loan Costs, Section (B) missing payee for Signing Agent Fee. XXX Received PC CD XXX XXX Exception satisfied Hybrid Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Missing Loan Estimate. XXX Received LE XXX XXX Exception satisfied (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Missing Loan Estimate. XXX Received LE XXX XXX Exception satisfied (No Data) Not Applicable Complete
39C45C7F-E456-4A6D-B2DA-9F6F7608BD60 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3494 TRID - Loan Estimate Missing No Missing Loan Estimate. XXX Received LE XXX XXX Exception satisfied (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Review status is Non-QM: Lender did not document all ATR UW factors. Loan file is missing Assets as required per DU and final CD reflecting points and fees. Lender status is QM: XXX XXX-Client provided correspondence requesting clarification of what documents are needed.XXX-Client provided CD XXX and final AUS DU issued XXX showing no funds required to close . XXX-Received correspondence requesting clarification of what documents are needed. Missing DU required assets of $XXX and missing a final CD to calculate points and fees. Exception remains.XXX-Received CD XXX, and AUS DU issued XXX showing no funds required to close, exception satisfied. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status is Non-QM: Lender did not document all ATR UW factors. Loan file is missing Assets as required per DU and final CD reflecting points and fees XXX-Client provided correspondence requesting clarification of what documents are needed.XXX- Client provided CD XXX and AUS DU issued XXX showing no funds required to close. XXX-Received correspondence requesting clarification of what documents are needed. Missing DU required assets of $XXX and missing a final CD to calculate points and fees. Exception remains.XXX-Received CD XXX, and AUS DU issued XXX showing no funds required to close, exception satisfied. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance APR Tolerance Satisfied B A B A CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing all TRID compliance documentation XXX-Client provided CD XXX XXX- Received CD XXX, Exception satisfied. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No MI Certificate is missing (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final CD XXX-Client provided CD XXX XXX-Received CD XXX, Exception satisfied (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Right of Rescission Satisfied D A D A CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form XXX-Cient provided the ROR form XXX-Received the ROR form, exception satisfied. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3494 TRID - Loan Estimate Missing No Loan Estimate Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3618 TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing No Missing initial CD issued at least 3 days prior to closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Missing LE's in the file (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Missing LE's in the file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CC8AE9C5-2F94-483A-8892-CBB8CF45D21E XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3496 TRID - Closing Disclosure Missing No Closing Disclosure Missing XXX-Cient provided final CD XXX XXX- Received final C XXX- Exception satisfied (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM4625 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination No XXX NEW - Review status is GSE Temporary - QM/SH, Lender provided status is Non-QM: Lender documented all ATR/UW factors (ATR Standard) (No Data) (No Data) (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination XXX Client provided ATR/QM status with XXX XXX Exception satisfied (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance required but MI Certificate is missing. (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Evidence of Affiliates on FACTS sheet. Missing Affiliated Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Right of Rescission Satisfied D A D A CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. XXX-Client provided the ROR form XXX-Received the ROR Form, exception satisfied. (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided. XXX Received service providers list dated XXX. Was not provided 3 days within initial application date of XXX XXX Exception remains (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CD dated XXX; Calculating Cash to Close Table ; does not match figures on Final LE dated XXX Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance $XXX. Need evidence of Change of Circumstance or copy of refund check in the amount of $XXX for Title Fee increase. Service Provider List missing. XXX Received service providers list dated XXX Ten percent tolerance is now $XXX. There was COC to advise the fees were added to CD XXX Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D18C9EFD-6DB4-44CD-A4A1-808E1AF0A5D1 XXXXXX XXXXXX XXXXXX XXXXXX NV Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX: Loan Estimate missing Applicant address entry. Corrected on CD XXX. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM4625 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination No XXX NEW - Review status is GSE Temporary - QM/SH, Lender provided status is Non-QM: Lender documented all ATR/UW factors (ATR Standard) (No Data) (No Data) (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM status determination. XXX Client provided ATR/QM status with XXX XXX Exception satisfied (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA Mortgage Insurance Certificate. (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliated Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Right of Rescission Satisfied D A D A CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. XXX- Client provided the ROR form XXX-Received the ROR form, exception satisfied. (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3776 TRID - LE or CD does not meet TRID requirements No CD XXX: Closing Information; missing File number entry. Loan Information; missing MIC# entry. (No Data) (No Data) (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Need evidence of change of circumstances letter or a copy of a refund check in the amount of $XXX for increased Fees for the Ten Percet Tolerance fee. Missing Loan Estimate XXX-Client provided initial and final LE XXX-Received initial and final LE, Exception satisfied (No Data) Not Applicable Complete
4DF0AFF1-9716-4A83-B052-6D77B24292D6 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3494 TRID - Loan Estimate Missing No Missing Loan Estimate. XXX-Client provided initial and final LE XXX-Received initial and final LE, Exception satisfied (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM4625 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination No XXX NEW - Review status is GSE Temporary - QM/SH, Lender provided status is Non-QM: Lender documented all ATR/UW factors (ATR Standard) (No Data) (No Data) (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM status determination. XXX Client provided ATR/QM status with XXX XXX Exception satisfied (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing all LE'S and CD's (No Data) (No Data) (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI CERT (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Right of Rescission form and final CD. XXX-client provided the ROR Form XXX-Received the final ROR Form, still missing the final CD, Exception remains.Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance Right of Rescission Satisfied D A D A CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. XXX-Client provided the ROR Form XXX-Received the ROR Form, exception satisfied. (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3494 TRID - Loan Estimate Missing No Loan Estimate Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
98F8F7DC-E76C-4B0B-B6A9-BDF186DB3705 XXXXXX XXXXXX XXXXXX XXXXXX CA Non-QM: Lender documented all ATR UW factors QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3496 TRID - Closing Disclosure Missing No Closing Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0EDC138B-B810-4B5A-A834-C5406D2BCF71 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0EDC138B-B810-4B5A-A834-C5406D2BCF71 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0EDC138B-B810-4B5A-A834-C5406D2BCF71 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0EDC138B-B810-4B5A-A834-C5406D2BCF71 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0EDC138B-B810-4B5A-A834-C5406D2BCF71 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file Yes Missing Cert of Compliance or Cert of Exemption XXX -Client provide correspondence stating cannot provide Cert of Compliance or Exemption XXX- Received Correspondence stating client cannot provide Cert of Compliance or Exemption, exception remains. (No Data) Not Applicable Complete
3908D700-0EDA-452A-A888-FA6AC0BF05FF XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1078EF2E-64C5-4FE1-BB49-1DF591FA7BF7 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI certificate. (No Data) (No Data) (No Data) Not Applicable Complete
980FA9A6-3F84-4877-B137-8E66BD265191 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination XXX Client provided ATR/QM status with XXX XXX Exception satisfied (No Data) Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance required but MI Certificate is missing. (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided (No Data) (No Data) (No Data) Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No 1.CD Issued XXX. Seller Address for the Additional Seller is missing on the CD Addendum.2.CD Issued XXX. Projected Payments. Estimated Taxes, Insurance & Assessments, the Other box is checked off, but no fee name is provided. (No Data) (No Data) (No Data) Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX. Section: Summaries of Transactions, Message: Sale Price of Property minus Loan Amount is: $XXX and Section: Calculating Cash to Close, Field: Down Payment/Funds from Borrower - Final, Value: XXX. Includes UFMIP of $XXX. Should only be $XXX. FHA Loan (No Data) (No Data) Numeric Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD XXX Calculating Cash to Close section (Loan Estimate column) does not match any LE (Calculating Cash to Close sections) provided. (No Data) (No Data) Non-Numeric Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXX Section: Summaries of Transactions. K. Due from Borrower at Closing - Adjustments for Items paid by seller in advance - county taxes payment dates missing. 2.CD: XXX. Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. F. Homeowner's Dues is missing the Payee. (No Data) (No Data) Hybrid Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance fees increased above tolerance. Need evidence of change of circumstances letter or a copy of a refund check in the amount of $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FADB94A1-4154-4FCF-8DDA-4D88E0ADC0AF XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE Issued XXX were e-signed. Missing E-consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
49CB041D-CAF2-48FB-9AFA-171D5A07886C XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status is NON QM Lender did not document all ATR UW Factors, Missing a Verbal VOE and AUS DU #XXX Approve/ Eligible that is listed on the 1008. Also review DTI is 43.92% which outside of tolerance for approval of 39.79% DU would need to be re-run. XXX-Client provided A V VOE dated XXXXXX-Client provided Initial DU Issued XXX.XXX-Client provided AUS DU issued XXX which matches the 1008. XXX-Received a V VOE dated XXX, still missing AUS DU #XXX listed on the 1008. Review DTI of 42.12% VS 1008 approval of 39.79%, DU does not need to be rerun. Exception remains for missing DU listed on the 1008.XXX-Received initial DU issued XXX, Back end DTI is 36.62%, Review DTI is 42.12%, a difference of 5.5%, Appear to be missing final DU that matches 1008 DTI of 39.794%. Exception remains.XXX-Received AUS DU issued XXX which matches the 1008 DTI of 39.79%. Exception satisfied. (No Data) Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM status determination XXX Client provided ATR/QM status with XXX XXX Exception satisfied (No Data) Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Review status is NON QM Lender did not document all ATR UW Factors XXX-Client provided A V VOE dated XXXXXX-Client provided a DU issued XXXXXX- Client provided AUS DU issued 8-3-2016 which matches the 1008 DTI of 39.79% XXX-Received a V VOE dated XXX, still missing AUS DU #XXX listed on the 1008. Review DTI of 42.12% VS 1008 approval of 39.79%, DU does not need to be rerun. Exception remains for missing DU listed on the 1008. XXX-Received initial DU issued XXX, Back end DTI is 36.62%, Review DTI is 42.12%, a difference of 5.5%, Appear to be missing final DU that matches 1008 DTI of 39.794%. Exception remains.XXX-Received AUS DU issued XXX which matches the 1008 DTI of 39.79%. Exception satisfied. (No Data) Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure is missing. (No Data) (No Data) (No Data) Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing written Service Provider List (No Data) (No Data) (No Data) Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD XXX, Calculating Cash to Close, Section Adjustments and Other Credits - Final total states $XXX This does not match Summaries of Transactions, Section Adjustments and Other Credits where calculation is ($XXX) (No Data) (No Data) Numeric Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD XXX Calculating Cash to Close section (Loan Estimate column) does not match LE XXX (Calculating Cash to Close sections) provided. Only 1 LE Provided. (No Data) (No Data) Non-Numeric Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX. Other Costs. Section E. Recording Fees are not Itemized. (No Data) (No Data) Hybrid Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need evidence that borrower acknowledged receipt of CD XXX 3 days prior to consummation. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3950 TRID - CD: The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent No CD XXX, The Additional Product Feature value in the CD Loan Information section and the Negative Amortization disclosure in the CD Loan Disclosures section are not consistent (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
BDFB1394-F986-44DD-B229-89F9495B1BF7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE Issued XXX was e-signed. Missing E-consent (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance required but MI Certificate is missing. (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided. (No Data) (No Data) (No Data) Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. Section E. Recording Fees are not Itemized. (No Data) (No Data) Hybrid Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD: XXX, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. F. Property Taxes are missing the Payee, (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE: XXX was e-sign . Missing e-consent (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD Issued XXX was e-signed. Missing E-consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C5C7EC4-DB07-4B1C-B6E7-C32218F5FF7B XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE Issued XXX. F. Prepaids. Property taxes is missing the months. Corrected on CD Issued XXX. Exception Satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
895A9C92-014E-4BFC-9F11-266D7218C520 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
895A9C92-014E-4BFC-9F11-266D7218C520 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
895A9C92-014E-4BFC-9F11-266D7218C520 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert (No Data) Loan no longer insured per data tape. Final grade B. (No Data) Not Applicable Complete
895A9C92-014E-4BFC-9F11-266D7218C520 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Final Title (No Data) (No Data) (No Data) Not Applicable Complete
895A9C92-014E-4BFC-9F11-266D7218C520 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
895A9C92-014E-4BFC-9F11-266D7218C520 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing initial GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
11139474-F794-4B4F-8272-08BEC9553280 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP2105 TILA - Cannot determine the delivery date of the Final TIL No Final TIL missing Date and Signature. (No Data) (No Data) (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.599% with HMDA Benchmark Rate of 4.880% causing variance of 3.719% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL missing Date and Signature. (No Data) (No Data) (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL missing Date and Signature. (No Data) (No Data) (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Final TIL missing Date and Signature. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32F72CDC-1B46-47EF-BB35-EE4EA5F85308 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. No itemization of Amount Financed is in file. Unable to determine source of understatement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
754E1E89-8554-4AEE-BEA3-B29794948DC9 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Cert (No Data) Loan is no longer insured per tape. Final grade B. (No Data) Not Applicable Complete
754E1E89-8554-4AEE-BEA3-B29794948DC9 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Service Provider List is not in file (No Data) (No Data) (No Data) Not Applicable Complete
754E1E89-8554-4AEE-BEA3-B29794948DC9 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4246 TRID - CD: The Downpayment/Funds from Borrower value in the LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a negative number No CD XXX Calculating Cash to Close Section Down Payment/Funds from Borrower is a negative number, XXX (No Data) (No Data) Numeric Not Applicable Complete
754E1E89-8554-4AEE-BEA3-B29794948DC9 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4248 TRID - CD: The Downpayment/Funds from Borrower value in the Final column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a negative number No CD XXX Calculating Cash to Close Section Down Payment/Funds from Borrower is a negative number, XXX (No Data) (No Data) Numeric Not Applicable Complete
754E1E89-8554-4AEE-BEA3-B29794948DC9 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD XXX Summaries of Transactions Section Sale Price of Property minus Loan Amount is: XXX ; Calculating Cash to Close Down Payment/Funds from Borrower is XXX , values do not match. (No Data) (No Data) Numeric Not Applicable Complete
754E1E89-8554-4AEE-BEA3-B29794948DC9 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD XXX Summaries of Transactions Section Adjustments and Other Credits Calculation is XXX; Calculating Cash to Close Adjustments and Other Credits is XXX, values do not match. (No Data) (No Data) Numeric Not Applicable Complete
754E1E89-8554-4AEE-BEA3-B29794948DC9 XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX, LE XXX and LE XXX, Formatting, State is missing from NMLS. Corrected by CD XXX (No Data) (No Data) (No Data) Not Applicable Complete
1496D6FD-5AEA-491E-97A8-ED48AA8FC486 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4F4C4323-8BDF-46BC-85ED-AC93F9AF4D09 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4F4C4323-8BDF-46BC-85ED-AC93F9AF4D09 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
4F4C4323-8BDF-46BC-85ED-AC93F9AF4D09 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4F4C4323-8BDF-46BC-85ED-AC93F9AF4D09 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4F4C4323-8BDF-46BC-85ED-AC93F9AF4D09 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
4F4C4323-8BDF-46BC-85ED-AC93F9AF4D09 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5442D49E-26B9-4A73-8585-BBC5A26AD06E XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5442D49E-26B9-4A73-8585-BBC5A26AD06E XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.601% with HMDA Benchmark Rate 4.750% causing HMDA Benchmark/APR Variance 4.851% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
DE663AB9-9802-4BDF-A9E7-AA34340A6D65 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DE663AB9-9802-4BDF-A9E7-AA34340A6D65 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.547% with HMDA Benchmark Rate of 4.690% causing variance of 4.857% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
DE663AB9-9802-4BDF-A9E7-AA34340A6D65 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DE663AB9-9802-4BDF-A9E7-AA34340A6D65 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Missing Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DE663AB9-9802-4BDF-A9E7-AA34340A6D65 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
16249A14-54A5-485B-A8C2-1DC8344B337B XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.709%; HMDA benchmark rate 5.280%. APR variance of 4.429% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
16249A14-54A5-485B-A8C2-1DC8344B337B XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
D8E91E98-0BAD-49F6-B148-2633101D3E0A XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.894% with HMDA Benchmark Rate of 4.470% causing variance of 4.424% which exceeds HMDA Rate spread Trigger of 3.00 (No Data) (No Data) (No Data) Not Applicable Complete
E4608859-A324-42DF-A9F5-50B395A5DE06 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 11.002%. HMDA Benchmark Rate is 5.260%. APR Variance is 5.742% exceeding HMDA Rate Spread Trigger of 3.00%. (No Data) (No Data) (No Data) Not Applicable Complete
A9945E02-099C-4DC7-AE6D-E15C07198E69 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.314%; HMDA benchmark rate 5.260%. APR variance of 7.054% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
A9945E02-099C-4DC7-AE6D-E15C07198E69 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
A9945E02-099C-4DC7-AE6D-E15C07198E69 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A9945E02-099C-4DC7-AE6D-E15C07198E69 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated XXX; Application date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
CC7188D2-F524-48AC-B4AF-0161AFBB157C XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.995% with HMDA Benchmark Rate 4.930% causing HMDA Benchmark/APR Variance 6.065% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
57F72C8B-5326-4D28-9E94-5540F764E314 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57F72C8B-5326-4D28-9E94-5540F764E314 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
57F72C8B-5326-4D28-9E94-5540F764E314 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.857%; HMDA benchmark rate 5.340%. APR variance of 4.517% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
57F72C8B-5326-4D28-9E94-5540F764E314 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
57F72C8B-5326-4D28-9E94-5540F764E314 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1 (No Data) (No Data) (No Data) Not Applicable Complete
57F72C8B-5326-4D28-9E94-5540F764E314 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
45B6A4AA-D8EB-4822-9042-E759B74664E3 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.609% with HMDA Benchmark Rate of 4.960% causing variance of 4.649% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
0BC6BF70-BB71-4A4D-B619-F4310A106086 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0BC6BF70-BB71-4A4D-B619-F4310A106086 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0BC6BF70-BB71-4A4D-B619-F4310A106086 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.326%, the benchmark APR is 4.920% resulting in a difference 4.406%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
0BC6BF70-BB71-4A4D-B619-F4310A106086 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0BC6BF70-BB71-4A4D-B619-F4310A106086 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Initial and Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
0BC6BF70-BB71-4A4D-B619-F4310A106086 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D522A044-6476-43D4-BF25-982774CC08C2 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Date on TIL is stamped (No Data) (No Data) (No Data) Not Applicable Complete
D522A044-6476-43D4-BF25-982774CC08C2 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
D522A044-6476-43D4-BF25-982774CC08C2 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
872C12F3-9994-4EA5-A602-BD3B5CB37E46 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
003A4196-0A8A-4A58-9A94-7380F5A2E227 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
003A4196-0A8A-4A58-9A94-7380F5A2E227 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
003A4196-0A8A-4A58-9A94-7380F5A2E227 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4A1DDDA-00F5-46C0-8BA2-7FD791345326 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 9.599%. HMDA Benchmark Rate is 4.550%. APR Variance is 5.049% exceeding HMDA Rate Spread Trigger of 3.00%. (No Data) (No Data) (No Data) Not Applicable Complete
F4A1DDDA-00F5-46C0-8BA2-7FD791345326 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8B3DA8C-8C38-4176-9BFF-12FB67C8D2D8 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Rate Spread test 11.222%, 3.16% benchmark, 8.062% variance, 3.0% max allowed. (No Data) (No Data) (No Data) Not Applicable Complete
AC4CE927-3C9F-473F-9B2B-4577130CF638 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.233% with HMDA Benchmark Rate of 4.300% causing variance of 6.933% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
AC4CE927-3C9F-473F-9B2B-4577130CF638 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
AC4CE927-3C9F-473F-9B2B-4577130CF638 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
AC4CE927-3C9F-473F-9B2B-4577130CF638 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
27EC2C05-DD9B-43E2-B1D8-687002B03185 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.538%, HMDA Benchmark Rate 2.980%, HMDA Benchmark/APR Variance 7.558%, HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
27EC2C05-DD9B-43E2-B1D8-687002B03185 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
27EC2C05-DD9B-43E2-B1D8-687002B03185 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
BCFD4597-C244-4E3E-BC1C-C5C9AF061682 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BCFD4597-C244-4E3E-BC1C-C5C9AF061682 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
BCFD4597-C244-4E3E-BC1C-C5C9AF061682 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
BCFD4597-C244-4E3E-BC1C-C5C9AF061682 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
30895CE2-96A0-48AB-BD5A-AC64F6AB8910 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.507 %, the benchmark APR is 5.230% which results in a difference of 6.277% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
BDE0BA15-8434-4B5E-9BFA-5C58D42CB52F XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BDE0BA15-8434-4B5E-9BFA-5C58D42CB52F XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date XXXTest APR 7.499 HMDA Benchmark Rate 4.300 HMDA Benchmark/APR Variance 3.199 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
BDE0BA15-8434-4B5E-9BFA-5C58D42CB52F XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
BDE0BA15-8434-4B5E-9BFA-5C58D42CB52F XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
07E341E3-31D0-46B4-BCDA-9361DD92DDA6 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
07E341E3-31D0-46B4-BCDA-9361DD92DDA6 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 8.147%. HMDA Benchmark Rate is 4.490%. APR Variance is 3.657% exceeding HMDA Rate Spread Trigger of 3.00%. (No Data) (No Data) (No Data) Not Applicable Complete
07E341E3-31D0-46B4-BCDA-9361DD92DDA6 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
07E341E3-31D0-46B4-BCDA-9361DD92DDA6 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
07E341E3-31D0-46B4-BCDA-9361DD92DDA6 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04907C2E-7178-41C1-ADBF-C088CA50AEE8 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable A A A A                               Complete
0EAAFDBB-2556-484D-8EB4-87134CF9E182 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A                               Complete
965C0EAD-A4D3-4700-B9DF-2747EE96A238 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DBFCB1E6-F662-4812-AA3F-A79B7BBC6150 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DBFCB1E6-F662-4812-AA3F-A79B7BBC6150 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
DBFCB1E6-F662-4812-AA3F-A79B7BBC6150 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93E4475F-F7DB-45E7-9B23-846B1D840D29 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93E4475F-F7DB-45E7-9B23-846B1D840D29 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.693 HMDA Benchmark Rate 4.950 HMDA Benchmark/APR Variance 5.743 HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
8E535666-1005-49F8-B105-39BDC2B01486 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.900%; HMDA benchmark rate 3.500%. APR variance of 7.400% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
8E535666-1005-49F8-B105-39BDC2B01486 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Revised HUD-1 showing correct charges not provided. (No Data) (No Data) (No Data) Not Applicable Complete
8E535666-1005-49F8-B105-39BDC2B01486 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active C B C B CMPRESPA2840 RESPA-Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file No Fee subject to 10% tolerance is greater on HUD than on GFE. No evidence of refund of $XXX in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8E535666-1005-49F8-B105-39BDC2B01486 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Cannot determine if funding date is after rescission period, missing disbursement date (No Data) (No Data) (No Data) Not Applicable Complete
69CEBE1B-E512-4136-87A4-9E8626765982 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.818% with HMDA Benchmark Rate of 4.250% causing variance of 6.568% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
69CEBE1B-E512-4136-87A4-9E8626765982 XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
A1EA2779-69AD-47C1-B150-C20579C717C9 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A1EA2779-69AD-47C1-B150-C20579C717C9 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A1EA2779-69AD-47C1-B150-C20579C717C9 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A1ED3C40-A3CB-4C83-84AD-AF1ECDC2B0EF XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A1ED3C40-A3CB-4C83-84AD-AF1ECDC2B0EF XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.250% with HMDA Benchmark Rate of 4.960% causing variance of 5.290% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
A1ED3C40-A3CB-4C83-84AD-AF1ECDC2B0EF XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
A1ED3C40-A3CB-4C83-84AD-AF1ECDC2B0EF XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
A1ED3C40-A3CB-4C83-84AD-AF1ECDC2B0EF XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
A1ED3C40-A3CB-4C83-84AD-AF1ECDC2B0EF XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A410FBA8-7A1B-425E-B501-7BB05004ACB9 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.893% with HMDA Benchmark Rate of 4.710% causing variance of 7.183% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4E3C8897-3B23-4272-A391-15E14D872A29 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.050% with HMDA Benchmark Rate of 3.840% causing variance of 7.210% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
2D283A52-7861-4E87-80EB-714AA6F1342C XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable A A A A                               Complete
51588CB9-B4B0-4C2D-8E15-4BC70AB8B456 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
51588CB9-B4B0-4C2D-8E15-4BC70AB8B456 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
51588CB9-B4B0-4C2D-8E15-4BC70AB8B456 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
51588CB9-B4B0-4C2D-8E15-4BC70AB8B456 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
51588CB9-B4B0-4C2D-8E15-4BC70AB8B456 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
51588CB9-B4B0-4C2D-8E15-4BC70AB8B456 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
51588CB9-B4B0-4C2D-8E15-4BC70AB8B456 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 6/23/2017 - Agreed. Age of loan (XXX) renders compliance exposure low to non-existent. (No Data) (No Data) Not Applicable Complete
683B67D6-16B1-4FD9-9B9C-17B8441E8E87 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Missing total gift funds per LP approval (No Data) (No Data) (No Data) Not Applicable Complete
683B67D6-16B1-4FD9-9B9C-17B8441E8E87 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Review status is Non-QM Lender did not document all ATR UW factors. Loan file is missing verification of gift funds of $5200 (No Data) (No Data) (No Data) Not Applicable Complete
683B67D6-16B1-4FD9-9B9C-17B8441E8E87 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
683B67D6-16B1-4FD9-9B9C-17B8441E8E87 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Missing individual loan originators middle name per NMLS verification system. (No Data) (No Data) (No Data) Not Applicable Complete
683B67D6-16B1-4FD9-9B9C-17B8441E8E87 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied A B A B CMPTRID3514 TRID - Loan Estimate: Dollar amount disclosed incorrectly or contains an unexpected value No Exception satisfied. LE XXX corrects the issue. LE: XXX and XXX Loan Terms Section: Loan Amount value was not rounded and/or truncated as required. (No Data) Exception satisfied. LE XXX corrects the issue. LE: XXX and XXX Loan Terms Section: Loan Amount value was not rounded and/or truncated as required. Numeric Not Applicable Complete
6F9B8E18-3D31-4782-B3F9-F049A688E7AE XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.754 HMDA Benchmark Rate 5.110 HMDA Benchmark/APR Variance 6.644 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
6F9B8E18-3D31-4782-B3F9-F049A688E7AE XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
6F9B8E18-3D31-4782-B3F9-F049A688E7AE XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Borrower's Interest Active C C C C CMPBI123 OH Borrower Interest-not Clayton approved Yes Missing required origination documentation to determine NTB/benefit to borrower. XXX - is this a compliance failure?, loan is 9 years seasoned (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Repayment Ability Active B B B B CMPSTRA119 OH CSPA - No lender analysis of repayment ability in file No No lender analysis of repayment ability in file (No Data) (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active B B B B CMPSTCP101 OH CSPA; Unable to determine prior refi made by govt. No Unable to determine prior refi made by govt. (No Data) (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active B B B B CMPSTCP117 OH CSPA; Home Mortgage Information Document not provided No Home Mortgage Information Document not provided (No Data) (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Tangible Net Benefit worksheet not in file (No Data) (No Data) (No Data) Not Applicable Complete
06926950-BFF8-474C-80DB-98CC0B45C2D1 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active B B B B CMPSTCP1770 OH CSPA; Required Closing Disclosure not provided to borrower No Required Closing Disclosure not provided to borrower (No Data) (No Data) (No Data) Not Applicable Complete
EBB9B5E2-B930-4B53-82A1-EFF0B810E0A4 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor ATR/QM: Exempt C B C B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM4821 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination. No Loan is Du approved with Special Feature Code XXX, loan is ATR/QM Exempt (No Data) (No Data) (No Data) Not Applicable Complete
EBB9B5E2-B930-4B53-82A1-EFF0B810E0A4 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor ATR/QM: Exempt C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
EBB9B5E2-B930-4B53-82A1-EFF0B810E0A4 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD's dated XXX and XXX Closing Information- File Number is missing.CD's dated XXX and XXX- Closing Information- Seller's address is missing. (No Data) (No Data) (No Data) Not Applicable Complete
EBB9B5E2-B930-4B53-82A1-EFF0B810E0A4 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD dated XXX. Calculating Cash to Close Table ; Cash to Close does not match figures on Final LE dated XXX- Calculating Cash to Close Table; Cash to Close, Loan amount and Estimated Cash to Close figures does not match. (No Data) (No Data) Non-Numeric Not Applicable Complete
EBB9B5E2-B930-4B53-82A1-EFF0B810E0A4 XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing proof initial CD issued XXX was received by borrower at least 3 days prior to closing, CD is not signed. 3-15-2018-Client provided disclosure tracking showing CD was received in person XXX 3-15-2018-Received disclosure tracking showing CD was received in person XXX, waiting period was met, exception satisfied. (No Data) Not Applicable Complete
94F754D0-9D39-436C-9E14-66FB8DB19C5C XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No CD: XXX-1, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: $XXX and Section: Calculating Cash to Close, - Loan Estimate, Value: equals $XXX. (No Data) (No Data) Numeric Not Applicable Complete
94F754D0-9D39-436C-9E14-66FB8DB19C5C XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No CDXXX Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final LE XXX Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
94F754D0-9D39-436C-9E14-66FB8DB19C5C XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: Safe Harbor B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX-1 & CD: XXX-1, Section: Other Costs (E) Missing Payee for Title-Alta 9.2-06 Endorsement. (No Data) (No Data) Hybrid Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Only note and mortgage provided, MI renewal rates/pmts unavailable; unable to test. (No Data) (No Data) (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Borrower's Interest Active C C C C CMPBI1381 NC Home Loan - Refinancing without Benefit to Borrower Yes Only note and mortgage provided for compliance testing; Missing benefit worksheet (No Data) (No Data) (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title (No Data) (No Data) (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD1 (No Data) (No Data) (No Data) Not Applicable Complete
4D708FEB-1A11-4CD1-A341-B784F892301F XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2015B5F6-B990-477C-914D-E01B85B6745D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.543%; HMDA benchmark rate 4.540%. APR variance of 6.003% exceeds 3.000% threshold.. (No Data) (No Data) (No Data) Not Applicable Complete
2015B5F6-B990-477C-914D-E01B85B6745D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
F472E739-49A0-42C3-8B12-68B22621F6A4 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable A A A A                               Complete
D236527D-CDBD-4B94-8261-809B3A6ECF72 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable A A A A                               Complete
BCCD29D7-7C7E-444B-BE1A-4FC220E10CE6 XXXXXX XXXXXX XXXXXX XXXXXX AR (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX HMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
BCCD29D7-7C7E-444B-BE1A-4FC220E10CE6 XXXXXX XXXXXX XXXXXX XXXXXX AR (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application in file dated XXX Initial TIL in file dated XXX. Early TIL not made within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
BCCD29D7-7C7E-444B-BE1A-4FC220E10CE6 XXXXXX XXXXXX XXXXXX XXXXXX AR (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL Disclosed finance charge of XXX, per Clayton pay stream calculations, finance charge are XXX, resulting in understated finance charges of XXX (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
344B0170-0462-4B5A-BF54-7E25BAB74A2A XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR isXXX per final TIL with a benchmark rate O fXXX resulting in a variance of .XXX which exceeds HMDA rate spread trigger of XXX (No Data) (No Data) (No Data) Not Applicable Complete
476298F0-85C8-4298-8864-720B0DD0EE3D XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
1713EA20-053B-40D4-82F0-2F7599F16349 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1713EA20-053B-40D4-82F0-2F7599F16349 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
BD7B2566-73F5-46CE-BFB4-5B1F479BA2C8 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable A B A B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
BD7B2566-73F5-46CE-BFB4-5B1F479BA2C8 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable A B A B Compliance Finance Charge Tolerance Active N/A B N/A B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No XXX finance charge is understated by from XXX Clayton Pay-stream. TIL itemization omits XXX courier fee. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
3A8883E7-541C-4036-95F5-894C5A8351CE XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Final Title (No Data) (No Data) (No Data) Not Applicable Complete
B5241F6F-82F4-4C46-82DD-1814C9B66E29 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
5090559F-2830-4FCD-B2D3-15A5A984E882 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C3927FFA-F737-427B-B76C-165B69A349A0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Satisfied A A A A CMPDOC4027 Incomplete file - unable to test No No origination documents received. XXX - Origination documents received. XXX - satisfied. (No Data) Not Applicable Complete
C3927FFA-F737-427B-B76C-165B69A349A0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FADD9844-45C3-4914-9919-63CC25A7BE57 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
FADD9844-45C3-4914-9919-63CC25A7BE57 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B72D1FA9-4413-46C3-BECE-3909E2464483 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
6B740243-1F02-4887-B504-00DC1CF8543F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage (No Data) (No Data) (No Data) Not Applicable Complete
6B740243-1F02-4887-B504-00DC1CF8543F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note (No Data) (No Data) (No Data) Not Applicable Complete
6B740243-1F02-4887-B504-00DC1CF8543F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No Missing Note (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6B740243-1F02-4887-B504-00DC1CF8543F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Satisfied D A D A CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file No XXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file XXX - Certificate of Compliance provided. XXX - satisfied. (No Data) Not Applicable Complete
2C0B8D05-1E01-40B0-ABB4-2D2087ADFD8F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
83BA0400-0B15-4D43-8F4D-60A57D20AE80 XXXXXX XXXXXX XXXXXX XXXXXX (No Data) (No Data) ATR/QM: Not Applicable A D A D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes No file received. (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
B1092D83-F349-4964-9ED8-C0CFA1BB0A5E XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX,XXX, XXX, XXX Other Costs Section E does not have recording fee itemized (No Data) (No Data) Hybrid Not Applicable Complete
FCDF9B58-94F5-421C-902D-233BBBE2A71C XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
2409EAE4-2BA4-41C3-9879-AC4B270E22DA XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
2409EAE4-2BA4-41C3-9879-AC4B270E22DA XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
23249395-5600-4D78-A3A7-286052A5BB9D XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4271 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain different values for Downpayment/Funds From Borrower but Did This Change? = No No CD: XXX, Section: Calculating Cash to Close, Field: Down Payment/Funds from Borrower- Did this change? verbiage should be yes. Corrected on POST CD XXX. Satisfied (No Data) (No Data) Non-Numeric Not Applicable Complete
23249395-5600-4D78-A3A7-286052A5BB9D XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX and CD XXX Formatting, Other Costs,XXX missing break down,XXX Missing payee and XXX missing payee.Corrected by CD XXXException satisfied. (No Data) (No Data) Hybrid Not Applicable Complete
6D9837F3-EAB8-41CF-9012-11A420203BA2 XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX, and CD: XXX, Section: Summaries of Transactions, Message: Sale Price of Property minus Loan Amount is: (XXX); Calculating Cash to Close, Down Payment/Funds from Borrower - Final, Value:XXX. Values do not match. Difference is XXX, which is the XXX Funding Fee under Loan Costs, B. Services Borrower Did Not Shop For. (No Data) (No Data) Numeric Not Applicable Complete
6D9837F3-EAB8-41CF-9012-11A420203BA2 XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3957 TRID - CD: The Homeowner's Insurance escrow indicator in the CD Projected Payments section is not consistent with the inclusion of Homeowner's insurance in Escrowed/Non-Escrowed Property Costs over Year 1 in the CD Loan Disclosures section No CD: XXX, and CD: XXX, Section: Projected Payments, Estimated Taxes, Insurance & Assessments, reflects Homeowner's Insurance included in estimate but not in escrow. Section: Loan Disclosures, Non-Escrowed Property Costs don't include Homeowners Insurance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
52BB79B2-BE5A-4138-B8AC-367FA4A57687 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program disclosure is not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A3A1533E-975F-495F-8E1C-BF56358659C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A3A1533E-975F-495F-8E1C-BF56358659C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Application. (No Data) (No Data) (No Data) Not Applicable Complete
A3A1533E-975F-495F-8E1C-BF56358659C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A3A1533E-975F-495F-8E1C-BF56358659C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A3A1533E-975F-495F-8E1C-BF56358659C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A3A1533E-975F-495F-8E1C-BF56358659C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A3A1533E-975F-495F-8E1C-BF56358659C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
72695759-A761-4CE2-9B86-769B4E2BF721 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
AAD944A6-62D1-455F-8073-671E417BA1B8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No 6 mos interest on amt prepd in 12 mos that is >20% of OPB. PPP is expired. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E987D327-783F-4DB3-9E2F-29FAFC92F7B4 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
2AA08F81-37F3-41BE-BB26-87B24C9B4BFA XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
F6B35876-5A8E-4FD7-84B6-41FA204B6977 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL disclosed finance charges XXX; Calculated finance charges XXX (difference/under disclosed by $XXX) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
796AF700-FBE1-4EA1-9334-6508FC936897 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
796AF700-FBE1-4EA1-9334-6508FC936897 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
97FB5D78-CEEE-4D93-A099-0A72F929C8E9 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
97FB5D78-CEEE-4D93-A099-0A72F929C8E9 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FCE07FA6-6C9F-45E9-912A-DD8883369D00 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FCE07FA6-6C9F-45E9-912A-DD8883369D00 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4CB78036-52D3-4124-A570-1CB0FB6447FD XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4CB78036-52D3-4124-A570-1CB0FB6447FD XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3DFF4B8E-6892-4026-B6EF-FFA8CF448A8A XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7FCFD04F-3FA1-4FFE-83E0-3FDA4B593782 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7FCFD04F-3FA1-4FFE-83E0-3FDA4B593782 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
32A04536-1545-4DF2-8DAE-D4D1F5106FAE XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32A04536-1545-4DF2-8DAE-D4D1F5106FAE XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3276 Title document in file is incomplete Yes Missing all pages after page XXX of Title commitment XXX XXX. (No Data) (No Data) (No Data) Not Applicable Complete
32A04536-1545-4DF2-8DAE-D4D1F5106FAE XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32A04536-1545-4DF2-8DAE-D4D1F5106FAE XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
36C4B314-7E8F-4A04-9763-468DEB4394F3 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5C691EC5-9B3F-47F6-A5FD-01B24F2658F7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5C691EC5-9B3F-47F6-A5FD-01B24F2658F7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of recession period date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5C691EC5-9B3F-47F6-A5FD-01B24F2658F7 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
690CD492-A110-4E88-830D-E9A77E5B1E12 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
690CD492-A110-4E88-830D-E9A77E5B1E12 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Initial note P&I is not stated. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
690CD492-A110-4E88-830D-E9A77E5B1E12 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7C49DD65-DEDF-4CB6-AAC6-460576110E09 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7C49DD65-DEDF-4CB6-AAC6-460576110E09 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E41D600F-2B74-4384-A1CD-D3885ADB91FC XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E41D600F-2B74-4384-A1CD-D3885ADB91FC XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E41D600F-2B74-4384-A1CD-D3885ADB91FC XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A67FDE40-5EF7-43DD-9E7C-B64B246E3A9E XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
A67FDE40-5EF7-43DD-9E7C-B64B246E3A9E XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A67FDE40-5EF7-43DD-9E7C-B64B246E3A9E XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
45420BC1-7AE0-4BEE-A684-90A03AD8D1A9 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
45420BC1-7AE0-4BEE-A684-90A03AD8D1A9 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3141C1A8-CCCB-4047-A520-9BA55A2A839E XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC early disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3141C1A8-CCCB-4047-A520-9BA55A2A839E XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing copy of MTG/DOT (No Data) (No Data) (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing copy of Note (No Data) (No Data) (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
A331D8C4-5666-4BA1-BBE1-A1D661F10FCB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A475C8B3-FE76-4AD0-8BAC-C895808167CB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A475C8B3-FE76-4AD0-8BAC-C895808167CB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A475C8B3-FE76-4AD0-8BAC-C895808167CB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
021C1412-3283-4329-838E-8DCBA6B614EF XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
021C1412-3283-4329-838E-8DCBA6B614EF XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing (No Data) (No Data) (No Data) Not Applicable Complete
021C1412-3283-4329-838E-8DCBA6B614EF XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A97EBF6B-82F0-417F-A738-8F73F844C1FE XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A97EBF6B-82F0-417F-A738-8F73F844C1FE XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3EF9D4B8-80D6-4D70-9600-C3911E3CE8CB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing (No Data) (No Data) (No Data) Not Applicable Complete
3EF9D4B8-80D6-4D70-9600-C3911E3CE8CB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
25285571-6256-4396-8F66-CD0D85282C20 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
25285571-6256-4396-8F66-CD0D85282C20 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2AE486B8-7FBC-46DA-9B16-46F1595F67D4 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2AE486B8-7FBC-46DA-9B16-46F1595F67D4 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2AE486B8-7FBC-46DA-9B16-46F1595F67D4 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2AE486B8-7FBC-46DA-9B16-46F1595F67D4 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1E7DB46E-54AE-4777-B9FC-B2AD4CA99294 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1E7DB46E-54AE-4777-B9FC-B2AD4CA99294 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Note initial P&I is not stated; unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
1E7DB46E-54AE-4777-B9FC-B2AD4CA99294 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D9FFBA71-8852-4366-8C1B-4821A0AF81BE XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
F4C4502A-095D-43C0-9ADF-92A5FE0F6121 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4C4502A-095D-43C0-9ADF-92A5FE0F6121 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
F4C4502A-095D-43C0-9ADF-92A5FE0F6121 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F4C4502A-095D-43C0-9ADF-92A5FE0F6121 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4C4502A-095D-43C0-9ADF-92A5FE0F6121 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E94E510E-07DE-40AF-BE3C-CBD42710EF4E XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3186 TILA - HELOC Exceeds APR Tolerance >0.125 No APR per review is 9% with difference APR FND/APR review of .0876% for a variance of 8.9124% exceeding the 0.125% tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
411D02EB-5809-4F34-89C1-7713B199B918 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
411D02EB-5809-4F34-89C1-7713B199B918 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged on lender-to-lender refinance. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
411D02EB-5809-4F34-89C1-7713B199B918 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
B61CAD81-8B2F-4A65-BCB2-FDD69D8968CE XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
777B9ABA-1979-4237-9B63-0DD830A89969 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
67DE0941-E1C8-4455-A816-14ADC49AE914 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
67DE0941-E1C8-4455-A816-14ADC49AE914 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
D049C7CD-1BDC-449D-B421-B9897BBA7358 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D049C7CD-1BDC-449D-B421-B9897BBA7358 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No MN Home Loan-Prohibited Prepayment Penalty - Fed Inst (No Data) (No Data) (No Data) Not Applicable Complete
D049C7CD-1BDC-449D-B421-B9897BBA7358 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1535 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst No MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst (No Data) (No Data) (No Data) Not Applicable Complete
D049C7CD-1BDC-449D-B421-B9897BBA7358 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File (No Data) (No Data) (No Data) Not Applicable Complete
D049C7CD-1BDC-449D-B421-B9897BBA7358 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1551 MN Home Loan- Initial Prepayment Penalty Disclosure not in file - Fed Inst No MN Home Loan- Initial Prepayment Penalty Disclosure not in file - Fed Inst (No Data) (No Data) (No Data) Not Applicable Complete
D049C7CD-1BDC-449D-B421-B9897BBA7358 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1573 MN Home Loan- Final Prepayment Penalty Disclosure not in file - Fed Inst No MN Home Loan- Final Prepayment Penalty Disclosure not in file - Fed Inst (No Data) (No Data) (No Data) Not Applicable Complete
D049C7CD-1BDC-449D-B421-B9897BBA7358 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Pre-Payment Penalty indicates that if the borrower prepays the balance in full,the PPP will be 3%, 2%, 1% of amt prepd in yr 1,2,3 of the Original Principal Balance. Max allowed in years 1,2,3, is 1.175% (Lesser of 2% of UPB or 60 days interest on UPB). Pre-Payment Penalty exceeds max allowed in years 1 & 2. PPP has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C2D83C82-C48B-424D-A8E3-9003B5886893 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
C2D83C82-C48B-424D-A8E3-9003B5886893 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
05B6F16C-7F3D-41A0-A5C5-B8933C940F77 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
05B6F16C-7F3D-41A0-A5C5-B8933C940F77 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAB2053F-E3A2-4900-9A47-F1890D603F72 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DAB2053F-E3A2-4900-9A47-F1890D603F72 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees $XXX are greater than FND fees of $XXX by $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAB2053F-E3A2-4900-9A47-F1890D603F72 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No Settlement Closing Fee of $XXX is not disclosed on final HELOC Note disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAB2053F-E3A2-4900-9A47-F1890D603F72 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
22B8A629-1917-43C6-9084-226F7AD8E2AA XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
22B8A629-1917-43C6-9084-226F7AD8E2AA XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E5E2B801-ECC2-4D90-B437-1B9CB39F0B35 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
E5E2B801-ECC2-4D90-B437-1B9CB39F0B35 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
485D008C-85D7-4158-B993-5070E8C6A7C6 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX; HMDA benchmark rate XXX. APR variance of XXX exceeds XXX threshold. (No Data) (No Data) (No Data) Not Applicable Complete
F8424B1F-243A-44A0-9250-B7B1AC13CA2A XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is XXX per final TIL with a benchmark rate of XXX resulting in a variance of XXX which exceeds HMDA rate spread trigger of XXX (No Data) (No Data) (No Data) Not Applicable Complete
F8424B1F-243A-44A0-9250-B7B1AC13CA2A XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provision not disclosed.PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
83EA23F0-D427-455E-A23A-EDF9D4561250 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX with HMDA Benchmark Rate of XXX causing variance of XXX which exceeds HMDA Rate spread Trigger of XXX (No Data) (No Data) (No Data) Not Applicable Complete
6516B575-105C-4468-8A2B-0E6EC3C8DEFC XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX with HMDA Benchmark Rate of XXX causing variance of XXX which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
BA46DFE7-7098-4C80-B148-D9D7CD14EFD0 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
BA46DFE7-7098-4C80-B148-D9D7CD14EFD0 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final Til not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
BA46DFE7-7098-4C80-B148-D9D7CD14EFD0 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
E8E8D7CB-70D2-484A-8F75-4673F508DBE5 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Missing 2 year W2's or Written VOE's for both borrowers covering 2 year period and missing documents to support $60,000 gift letter assets. (No Data) (No Data) (No Data) Not Applicable Complete
E8E8D7CB-70D2-484A-8F75-4673F508DBE5 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Review status is Non-QM Lender did not document all ATR UW factors. Missing 2 year W2's or Written VOE's for both borrowers covering 2 year period and missing documents to support $60,000 gift letter assets. (No Data) (No Data) (No Data) Not Applicable Complete
E8E8D7CB-70D2-484A-8F75-4673F508DBE5 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance RESPA Active B B B B CMPRESPA3468 RESPA-No evidence that Your Home Loan Toolkit was delivered to the borrower No Missing evidence that Your Home Loan Toolkit was delivered to the borrower (No Data) (No Data) (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.625% with HMDA Benchmark Rate of 4.750% causing variance of 4.875% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure (No Data) (No Data) (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
4B4E141F-879B-4AC8-8C83-875F553AAB6E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F9241D5B-B370-4365-9B6C-8F4CAFDD6991 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX Mortgage Insurance Certificate (No Data) Loan is no longer insured per tape. Final grade B. (No Data) Not Applicable Complete
F9241D5B-B370-4365-9B6C-8F4CAFDD6991 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Missing individual loan originators middle initial per XXX (No Data) (No Data) (No Data) Not Applicable Complete
F9241D5B-B370-4365-9B6C-8F4CAFDD6991 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need evidence that borrower acknowledged receipt of CD XXX days prior to consummation. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F9241D5B-B370-4365-9B6C-8F4CAFDD6991 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No XXX tolerance of $XXX. Cure of $XXX. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $XXX for title-settlement, title commitment and title courier fees for fee for XXX percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
CCAEAFE5-A4DE-434F-ACF7-EE5A2A19E099 XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate (No Data) Loan is no longer insured per tape. Final grade B. (No Data) Not Applicable Complete
CCAEAFE5-A4DE-434F-ACF7-EE5A2A19E099 XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX and XXX Other Costs Section: Homeowners Insurance is missing the number of months. (No Data) (No Data) Hybrid Not Applicable Complete
CCAEAFE5-A4DE-434F-ACF7-EE5A2A19E099 XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing confirmation that the borrower received CD XXX at least 3 business days prior to closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CCAEAFE5-A4DE-434F-ACF7-EE5A2A19E099 XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD XXX Calculating Cash to Close Table (Loan Estimate column) does not match figures on any Loan Estimate Calculating Cash to Close Table we have received in the Loan documents. (No Data) (No Data) Non-Numeric Not Applicable Complete
2572F005-8EF1-45A3-A822-37442DAF0EE9 XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.356% with HMDA Benchmark Rate of 5.130% causing variance of 7.226% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
8CE5B25C-DDE4-4CA1-9B58-B23873678DF1 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.439% with HMDA Benchmark Rate 4.860% causing HMDA Benchmark/APR Variance 4.579% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
44492388-4556-47C5-B7CA-8AAEA024565C XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lender's ATR/QM status. 10/16/2017 - ATR/QM status determination provided - Safe Harbor 10/16/2017 - Exception satisfied (No Data) Not Applicable Complete
E2627B77-2F35-46DB-9071-0EEED1F70F08 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes HUD in file incomplete, missing fee addendum detailing all title charges for line 1305. (No Data) (No Data) (No Data) Not Applicable Complete
E2627B77-2F35-46DB-9071-0EEED1F70F08 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 9.519% per final TIL with a benchmark rate of 4.760% resulting in a variance of 4.759% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
E2627B77-2F35-46DB-9071-0EEED1F70F08 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
248D9D1C-26DD-476F-BB14-35317E268AC5 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.114 - HMDA Benchmark Rate 5.110 = HMDA Benchmark/APR Variance 5.004 which exceed the max of HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
248D9D1C-26DD-476F-BB14-35317E268AC5 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing lenders initial TIL (No Data) (No Data) (No Data) (No Data) Complete
BC8D182E-0925-4886-9405-DB84E666211F XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) (No Data) Complete
BC8D182E-0925-4886-9405-DB84E666211F XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total of Payments: $XXX; Total Payments as Calculated: $XXX; Difference $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
0AAAFCB3-8A14-4111-AEBD-120378A60A48 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.748% with HMDA Benchmark Rate of 5.0% causing variance of 3.748% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
0AAAFCB3-8A14-4111-AEBD-120378A60A48 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B06B57DB-A8D6-4A09-A392-0D7A53476502 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
2AEEC04F-878B-4DB6-9955-36B8ECAA3539 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
2AEEC04F-878B-4DB6-9955-36B8ECAA3539 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure dated XXX, application dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
B9D0EE43-E564-47AA-B526-77D9408F097D XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
B9658249-590B-422A-AD62-F11612862A6A XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Lender GFE not provided. (No Data) (No Data) (No Data) (No Data) Complete
B9658249-590B-422A-AD62-F11612862A6A XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Prepayment penalty effective for the first 36 months exceeds max per state. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
E4B20530-DADB-4517-B5B3-1F272F8B5F1E XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable A A A A                               Complete
A6D0258E-C253-48F5-A3A4-B092E1EB605B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
B84F33A4-BBEA-49F7-AC1B-5656B5378B7B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TILA - TIL discl. not made within 3 days of application (No Data) (No Data) (No Data) (No Data) Complete
BD404921-B83F-46AF-92C3-00103F8A8BD2 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
BD404921-B83F-46AF-92C3-00103F8A8BD2 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No XXXXX ARM Loan Program Disclosure after X days from XXXX application (No Data) (No Data) (No Data) (No Data) Complete
AD0E1A89-F714-45F0-82B2-143BF3983709 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXXHMDA Benchmark Rate XXXX HMDA Benchmark/APR Variance XXXXHMDA Rate Spread Trigger XXXX (No Data) (No Data) (No Data) Not Applicable Complete
FB09DBBC-A3A4-4A75-B976-A09D149D97EC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
FB09DBBC-A3A4-4A75-B976-A09D149D97EC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.941%, HMDA Benchmark Rate 4.720%, HMDA Benchmark/APR Variance 4.221%, HMDA Rate Spread Trigger 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
FB09DBBC-A3A4-4A75-B976-A09D149D97EC XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No TILA - Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) (No Data) Complete
81C2D1A8-5AFE-423D-9D0B-ED5B28C9365A XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXXX% with HMDA Benchmark Rate of XXXX% causing variance of XXXX% which exceeds HMDA Rate spread Trigger of XXXX. (No Data) (No Data) (No Data) (No Data) Complete
81C2D1A8-5AFE-423D-9D0B-ED5B28C9365A XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Texas Equity- Missing Itemized disclosure prior to closing. (No Data) XXXX No documents received for this exception. Exception remains.XXXX - Lender provided TX Owners Affidavit of Receipt Of Fees disclosure dated at closing XXXX, exception remains. (No Data) (No Data) Complete
F9C6C8AC-3A0A-4A5C-9611-EFD5A08FB398 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
6EB8F08E-636C-4183-8FE6-5A11708B6A36 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.043%, the benchmark APR is 5.260% which results in a difference of 3.783% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) (No Data) Complete
6EB8F08E-636C-4183-8FE6-5A11708B6A36 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No TIL Regular Payment: XXX, Regular MI Premium per TIL: XXX, Note P&I: XXX: Difference XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
6EB8F08E-636C-4183-8FE6-5A11708B6A36 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP109 PPP - Prepayment penalty can be exercised w/in 90 days of rate increase No State Prepay penalty exercised within 90 days of rate increase (No Data) (No Data) (No Data) (No Data) Complete
86554DD9-AFF6-4019-9C8C-21396E19AC34 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
86554DD9-AFF6-4019-9C8C-21396E19AC34 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Satisfied N/A A N/A A CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No (No Data) (No Data) XXX - Lender provided the Mortgage Insurance Certificate, exception satisfied. (No Data) (No Data) Complete
86554DD9-AFF6-4019-9C8C-21396E19AC34 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing preliminary TIL (No Data) (No Data) (No Data) (No Data) Complete
86554DD9-AFF6-4019-9C8C-21396E19AC34 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
86554DD9-AFF6-4019-9C8C-21396E19AC34 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
86554DD9-AFF6-4019-9C8C-21396E19AC34 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD 1/1A Settlement Statement. (No Data) XXX - Lender provided Final Hud-1, exception satisfied. (No Data) (No Data) Complete
BE266B4D-79AF-40DF-98B0-02481A704235 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
BE266B4D-79AF-40DF-98B0-02481A704235 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
BE266B4D-79AF-40DF-98B0-02481A704235 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Final TIL missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
BE266B4D-79AF-40DF-98B0-02481A704235 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied B A B A CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
BE266B4D-79AF-40DF-98B0-02481A704235 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
21ADC45C-B2CF-4752-8CB1-0D05A128E11A XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.641% with HMDA Benchmark Rate of 4.690% causing variance of 6.951% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
21ADC45C-B2CF-4752-8CB1-0D05A128E11A XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) (No Data) Complete
21ADC45C-B2CF-4752-8CB1-0D05A128E11A XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No State requires soft language for due on sale exclusion (No Data) (No Data) (No Data) (No Data) Complete
9E1574A5-7A64-4F33-B6F4-9405F1527666 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active B B B B CMPDOC879 Loan subject to mandatory arbitration clause No Loan subject to mandatory arbitration clause; does not have removal upon sale clause. (No Data) (No Data) (No Data) Not Applicable Complete
9E1574A5-7A64-4F33-B6F4-9405F1527666 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.533%, HMDA Benchmark Rate 2.230%, HMDA Benchmark/APR Variance 8.303%, HMDA Rate Spread Trigger 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
9E1574A5-7A64-4F33-B6F4-9405F1527666 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
9E1574A5-7A64-4F33-B6F4-9405F1527666 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance State Rate Spread Active C C C C CMPSRS300 NY Subprime Home Loan Yes NY Subprime based on transaction date after XXX where the APR exceeds by more than 1.75% the commitment rate for a like product type for the XXX as published in the XXX Primary Mortgage Market Survey as posted the week prior to the application date. Test APR 10.533, Conventional Mortgage Rate 4.950, APR/ Conv. Mortgage Rate Variance 5.583. Unable to fully test for NY Subprime compliance without prior loan docs, and loan includes an arbitration agreement. (No Data) (No Data) (No Data) Not Applicable Complete
AF4B1776-2E81-440C-A34E-ADC7296F542D XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.157%, the benchmark APR is 5.260% which results in APR Variance of 4.897% which exceeds the maximum allowed of 3.00%. (No Data) (No Data) (No Data) (No Data) Complete
AF4B1776-2E81-440C-A34E-ADC7296F542D XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Earliest ARM Loan Program Disclosure dated xx/xx/xxxx. (No Data) (No Data) (No Data) (No Data) Complete
83B50EF5-8C1C-4AD0-9C8D-29891C2FE1FB XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert (No Data) (No Data) (No Data) (No Data) Complete
83B50EF5-8C1C-4AD0-9C8D-29891C2FE1FB XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing FHA MI cert. (No Data) (No Data) (No Data) (No Data) Complete
83B50EF5-8C1C-4AD0-9C8D-29891C2FE1FB XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2442 Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) No The property securing this loan is in the XXX. In XXX the XXX of Appeals, XXX held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind. This decision has not been overturned (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E6668A7-CFD1-4B2A-9C30-795BC07D3114 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.806% with HMDA Benchmark Rate of 5.000% causing variance of 4.806% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D4249ACB-215F-4055-8416-0AEF290D7A59 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.788 HMDA Benchmark Rate 4.540 HMDA Benchmark/APR Variance 4.248 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
C3C2B14D-AA18-4ED1-9A91-2B7BD0DD24C4 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.259% with HMDA Benchmark Rate of 5.050% causing variance of 6.209% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
C21A52A6-8665-448B-8A51-2A4853BD697D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No Due to payment reward program: Pay Right Reward Program - Contract rate of 10.50% will decrease by 0.30% beginning with thirteenth 13th month after every twelve (12) consecutive monthly periods where all monthly installments were made in full within 30 days of their due date. Up to a maximum of 10 contract rate reductions are available during the term of your loan. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
C21A52A6-8665-448B-8A51-2A4853BD697D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
C21A52A6-8665-448B-8A51-2A4853BD697D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.881% with HMDA Benchmark Rate of 5.110% causing variance of 5.771% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
C21A52A6-8665-448B-8A51-2A4853BD697D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Due to payment reward program: Pay Right Reward Program - Contract rate of 10.50% will decrease by 0.30% beginning with thirteenth 13th month after every twelve (12) consecutive monthly periods where all monthly installments were made in full within 30 days of their due date. Up to a maximum of 10 contract rate reductions are available during the term of your loan. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
00548CF0-6F7E-4CCD-864D-849C3522109B XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application is missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
00548CF0-6F7E-4CCD-864D-849C3522109B XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.045% with HMDA Benchmark Rate of 4.920% causing variance of 5.125% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
B32E18D7-6BA1-4BD7-B2BE-E6067E7DD8FA XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.896 HMDA Benchmark Rate 4.910 HMDA Benchmark/APR Variance 5.986 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B32E18D7-6BA1-4BD7-B2BE-E6067E7DD8FA XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement Date. (No Data) (No Data) (No Data) Not Applicable Complete
9D993D79-9D48-419F-8136-1FAB0E5B98DC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
9D993D79-9D48-419F-8136-1FAB0E5B98DC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.479%, HMDA Benchmark Rate 4.540%, HMDA Benchmark/APR Variance 5.939%, HMDA Rate Spread Trigger 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
9D993D79-9D48-419F-8136-1FAB0E5B98DC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No TILA - Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
7DA6CE3E-6438-40C6-B373-7B6143771D6C XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.272% with HMDA Benchmark Rate of 4.72% causing variance of 3.552% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7DA6CE3E-6438-40C6-B373-7B6143771D6C XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM loan program disclosure is dated XXX, transaction date. Application date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
15485520-A5B0-4B3C-8018-A8165AF0A824 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
15485520-A5B0-4B3C-8018-A8165AF0A824 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.792%, the benchmark APR is 4.350% resulting in a difference of 5.262%. This exceeds the max loan rate/bench mark difference of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
DB97A816-EE32-4770-BA34-21EEE198DE20 XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 9.146% per final TIL with a benchmark rate of 4.690% resulting in a variance of 4.456% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) (No Data) Complete
7C5A71A5-6892-469F-BA1E-7C3916EEE36B XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.765% with HMDA Benchmark Rate of 5.050% causing variance of 4.715% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
7C5A71A5-6892-469F-BA1E-7C3916EEE36B XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR - Expiration date XXX prior to required rescission expiration XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
974206A1-ABD4-4FAF-89B1-668B9FC268F6 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
6AC4EC7D-2729-49F0-87AB-67A347D56D31 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6AC4EC7D-2729-49F0-87AB-67A347D56D31 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is XXX%, the benchmark APR is XXX% resulting in a difference of XXX%. This exceeds the HMDA rate spread trigger of XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
6AC4EC7D-2729-49F0-87AB-67A347D56D31 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6AC4EC7D-2729-49F0-87AB-67A347D56D31 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
6AC4EC7D-2729-49F0-87AB-67A347D56D31 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E9AD046F-BA32-4D6B-8778-CF84298052B2 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable A A A A                               Complete
4E4CF4E2-3168-4387-A67E-D758C2E6D0D9 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
2674E1A8-E95A-4FA2-B280-FB982B742235 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR 10.104 HMDA Benchmark Rate 4.860 HMDA Benchmark/APR Variance 5.244 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold. (No Data) (No Data) (No Data) Not Applicable Complete
8EF5A810-6F30-4915-A083-1D269D5C0DBD XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.751% with HMDA Benchmark Rate of 4.910% causing variance of 3.841% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
8EF5A810-6F30-4915-A083-1D269D5C0DBD XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Disclosed $XXX; XXX $XXX; Difference $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
8EF5A810-6F30-4915-A083-1D269D5C0DBD XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
8EF5A810-6F30-4915-A083-1D269D5C0DBD XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
D7CB4064-D127-40AD-AEBD-A9386FB28809 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Stated Loan Term not equal to the TIL Payment term. Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
D7CB4064-D127-40AD-AEBD-A9386FB28809 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
FB125FF3-7E23-46BA-8BA5-65D3CA74B058 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated not dated by borrower (No Data) (No Data) (No Data) (No Data) Complete
C922EC5D-2FB4-4055-B414-93FC0AECDDCA XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
BE483127-934A-4492-9495-724BE16CAA86 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) (No Data) Complete
BE483127-934A-4492-9495-724BE16CAA86 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure (No Data) (No Data) (No Data) (No Data) Complete
BE483127-934A-4492-9495-724BE16CAA86 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
BE483127-934A-4492-9495-724BE16CAA86 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
BE483127-934A-4492-9495-724BE16CAA86 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) (No Data) Complete
5B243C10-BA12-4C42-BD41-F86E92CB4BD6 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed by borrower (No Data) (No Data) (No Data) (No Data) Complete
5B243C10-BA12-4C42-BD41-F86E92CB4BD6 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower (No Data) (No Data) (No Data) (No Data) Complete
BC959637-0BA0-4690-A819-6FF7D53EC7A1 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower (No Data) (No Data) (No Data) (No Data) Complete
BC959637-0BA0-4690-A819-6FF7D53EC7A1 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower (No Data) (No Data) (No Data) (No Data) Complete
D73DC08A-DD87-42C6-8A36-CDD504661AA8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Final TIL is missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
D73DC08A-DD87-42C6-8A36-CDD504661AA8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Final TIL is missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
44850220-47DE-4F3A-808F-C350E46E3474 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower (No Data) (No Data) (No Data) (No Data) Complete
44850220-47DE-4F3A-808F-C350E46E3474 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) (No Data) Complete
04B4D974-DBAD-495C-90C6-A6DD9E3FE6FE XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
777AE348-D6F4-4D3A-A81D-9A39A5B3D83E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of XXX, Initial TIL in file dated XXX. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
777AE348-D6F4-4D3A-A81D-9A39A5B3D83E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Application date of XXX, ARM Program Disclosure in file is undated. Cannot determine if ARM Program Disclosure was provided in a timely manner. (No Data) (No Data) (No Data) Not Applicable Complete
777AE348-D6F4-4D3A-A81D-9A39A5B3D83E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of XXX, per XXX paystream calculations, finance charges are XXX,resulting in understated finance charges of XXX. The Title Settlement/Closing fee is on the Itemization for XXX , but is on the HUD-1 as a borrower cost for XXX, for the difference of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
777AE348-D6F4-4D3A-A81D-9A39A5B3D83E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file dated XXX. Lender Initial GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
2813EE83-61FA-455E-97FF-56DC12CB7554 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) (No Data) Complete
2813EE83-61FA-455E-97FF-56DC12CB7554 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated XXX. Itemization of Amount Financed not provided, unable to reconcile. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
BA6B57A9-B105-422B-BE6A-465AF54EE6F2 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
BA6B57A9-B105-422B-BE6A-465AF54EE6F2 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
BA6B57A9-B105-422B-BE6A-465AF54EE6F2 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Rate Spread greater than threshold (No Data) (No Data) (No Data) (No Data) Complete
BA6B57A9-B105-422B-BE6A-465AF54EE6F2 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
C18350AE-000C-4E27-A16B-77E9645FFCBE XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C18350AE-000C-4E27-A16B-77E9645FFCBE XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated XXX. Lender's itemization did not include attorney closing fee of XXX in prepaid finance charges. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C18350AE-000C-4E27-A16B-77E9645FFCBE XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
20C5C8C8-0816-4946-ABCD-9BC5AAEDF07B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No TIL disclosed APR is 5.48% versus paystream APR of 7.2099% for a variance of -1.7299% exceeding the 0.125% tolerance. Permanent financing interest rate 7.25%. Construction to perm. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
20C5C8C8-0816-4946-ABCD-9BC5AAEDF07B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
20C5C8C8-0816-4946-ABCD-9BC5AAEDF07B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated XXX due to APR. Loan construction to perm. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
20C5C8C8-0816-4946-ABCD-9BC5AAEDF07B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8706BE67-9EC5-4537-9AEF-DADDECBAB49C XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial Lender TIL. (No Data) (No Data) (No Data) Not Applicable Complete
8706BE67-9EC5-4537-9AEF-DADDECBAB49C XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8706BE67-9EC5-4537-9AEF-DADDECBAB49C XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AC17824F-5114-4290-8521-C0A8011F6CC8 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.271 - HMDA Benchmark Rate 4.760 = HMDA Benchmark/APR Variance 4.511 which exceeds the HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
AC17824F-5114-4290-8521-C0A8011F6CC8 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure in file is not dated. (No Data) (No Data) (No Data) (No Data) Complete
BB1F72A2-1C3B-4920-A139-8695E51314D5 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
7F453A7A-84C2-4D51-8588-8B7159134898 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7F453A7A-84C2-4D51-8588-8B7159134898 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.439% with HMDA Benchmark Rate of 4.690% causing variance of 4.738% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7F453A7A-84C2-4D51-8588-8B7159134898 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
7F453A7A-84C2-4D51-8588-8B7159134898 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. (No Data) (No Data) (No Data) Not Applicable Complete
339D12A9-CE43-4283-A260-B7963AAC4B21 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.439 HMDA Benchmark Rate 4.910 HMDA Benchmark/APR Variance 4.529 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) (No Data) Complete
339D12A9-CE43-4283-A260-B7963AAC4B21 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date unknown (No Data) (No Data) (No Data) (No Data) Complete
266DABFE-1633-446D-88D6-CD9E3485F59D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.161 HMDA Benchmark Rate 4.660 HMDA Benchmark/APR Variance 5.501 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
266DABFE-1633-446D-88D6-CD9E3485F59D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
FB369863-9C07-405C-819D-2348FDB6199D XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 10.757% per final TIL with a benchmark rate of 4.660% resulting in a variance of 6.097% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) (No Data) Complete
FB369863-9C07-405C-819D-2348FDB6199D XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date unknown (No Data) (No Data) (No Data) (No Data) Complete
0E64DC5E-32E6-4EFB-9988-A15E01049C52 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.495% with HMDA Benchmark Rate of 4.570% causing variance of 5.905% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
0E64DC5E-32E6-4EFB-9988-A15E01049C52 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance State Rate Spread Active C C C C CMPSRS300 NY Subprime Home Loan Yes NY subprime loan. (No Data) (No Data) (No Data) Not Applicable Complete
7F9D72C5-8496-40D4-AD9B-E8C7FA81C683 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.365 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 3.675 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
D26261E2-89B7-42A2-B24C-8294FED76C62 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.230% with HMDA Benchmark Rate of 4.730% causing variance of 5.500% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D26261E2-89B7-42A2-B24C-8294FED76C62 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0896A597-6BB2-47A6-8CF9-A89E870C1165 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
0896A597-6BB2-47A6-8CF9-A89E870C1165 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No TILA - Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
0896A597-6BB2-47A6-8CF9-A89E870C1165 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TILA - Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
AD5B073E-158C-418C-918A-D55C6BBF18A3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.222% with HMDA Benchmark Rate of 4.920% causing variance of 4.302% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
F374916D-7CF7-4097-99CA-920B4742DE3A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
F374916D-7CF7-4097-99CA-920B4742DE3A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXXX% with HMDA Benchmark Rate of XXXX% causing variance of XXXX% which exceeds HMDA Rate spread Trigger of XXXX. (No Data) (No Data) (No Data) Not Applicable Complete
F374916D-7CF7-4097-99CA-920B4742DE3A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of XXXX, TIL in file Dated XXXX. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
F374916D-7CF7-4097-99CA-920B4742DE3A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXXX, ARM Loan Program Disclosure in file Dated XXXX. Lender ARM Loan Program Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
F374916D-7CF7-4097-99CA-920B4742DE3A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3EBCF561-54B4-42D3-BCDB-06113B1A5776 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
8C0BD718-AC25-4B28-9CC1-5DD0E666F8A2 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2A9EF26C-E5A5-4C09-AD2D-0908BA5F2E25 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
355CF011-0245-4A37-8BBA-542E5FB41084 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A D A D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes Only note, mortgage, title and mod provided. (No Data) (No Data) (No Data) (No Data) Missing File; Unavailable for Review
C53A3D80-53B5-49C2-8495-88FFE83FFB49 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C53A3D80-53B5-49C2-8495-88FFE83FFB49 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Missing final HUD1. HUD in file is for the seller only. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C53A3D80-53B5-49C2-8495-88FFE83FFB49 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD1. HUD in file is for the seller only. (No Data) (No Data) (No Data) Not Applicable Complete
5C793A48-08E4-4510-834D-54D6766A9D21 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A B A B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
0353B312-CD21-4FE9-BFCE-D768A6B71A22 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.120% with HMDA Benchmark Rate of 4.690% causing variance of 5.430% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
0D54424C-2738-4F68-BF80-AEE8CCA44E96 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
A4B4CE4F-B7D2-40C8-87B9-EC034A3A7877 XXXXXX XXXXXX XXXXXX XXXXXX RI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM3084 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lender's ATR/QM status determination XXX - lenders status determination provided. XXX - satisfied. (No Data) Not Applicable Complete
A4B4CE4F-B7D2-40C8-87B9-EC034A3A7877 XXXXXX XXXXXX XXXXXX XXXXXX RI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
A4B4CE4F-B7D2-40C8-87B9-EC034A3A7877 XXXXXX XXXXXX XXXXXX XXXXXX RI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active A B A B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD: XXX, XXX, XXX, and XXX Other Costs Section E: Recording Fee does not indicate whether fees are from Mortgage or Deed. (No Data) (No Data) Non-Numeric Not Applicable Complete
A4B4CE4F-B7D2-40C8-87B9-EC034A3A7877 XXXXXX XXXXXX XXXXXX XXXXXX RI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE XXX and XXX was delivered via email but there is no evidence applicant consented to e-mail delivery. XXX: Econsent provided. Initial Disclosures signed in person, the next day an esign consent was executed to receive further documentation that way. XXX: Econsent provided. Exception satisfied. (No Data) Not Applicable Complete
A4B4CE4F-B7D2-40C8-87B9-EC034A3A7877 XXXXXX XXXXXX XXXXXX XXXXXX RI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD XXX was delivered via email but there is no evidence applicant consented to e-mail delivery. XXX: Econsent provided. Initial Disclosures signed in person, the next day an esign consent was executed to receive further documentation that way. XXX: Econsent provided. Exception satisfied. (No Data) Not Applicable Complete
E07FE998-6AF1-4964-B131-544EBEFCE464 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E07FE998-6AF1-4964-B131-544EBEFCE464 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E07FE998-6AF1-4964-B131-544EBEFCE464 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E07FE998-6AF1-4964-B131-544EBEFCE464 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E07FE998-6AF1-4964-B131-544EBEFCE464 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E07FE998-6AF1-4964-B131-544EBEFCE464 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
E07FE998-6AF1-4964-B131-544EBEFCE464 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission Form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
693A084C-4FFC-4667-9F43-C0FB4C562097 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to insufficient credit documentation. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Missing File; Unavailable for Review
693A084C-4FFC-4667-9F43-C0FB4C562097 XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active A D A D CMPDOC4027 Incomplete file - unable to test Yes Incomplete file - unable to test. Only CD, MTG, and ROR provided. (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
964C2A74-70F7-456F-B608-80828CC5BEB3 XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor QM: GSE Temporary - QM/SH C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender's ATR/QM status determination XXX-Client provided ATR QM status determination of XXX. XXX-Received ATR QM Status of XXX, Exception satisfied. (No Data) Not Applicable Complete
EC964310-BC74-45AC-89C5-8437A3010DA8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
AEA38587-59E9-46F9-95DE-67C21E165055 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEA38587-59E9-46F9-95DE-67C21E165055 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEA38587-59E9-46F9-95DE-67C21E165055 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEA38587-59E9-46F9-95DE-67C21E165055 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEA38587-59E9-46F9-95DE-67C21E165055 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
AEA38587-59E9-46F9-95DE-67C21E165055 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD1. (No Data) (No Data) (No Data) Not Applicable Complete
AEA38587-59E9-46F9-95DE-67C21E165055 XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2D2D0A0F-42EF-4507-9550-58B06A07D2B4 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B D B D Compliance Documentation Active N/A D N/A D CMPDOC191 Missing Mortgage Yes Missing mortgage for subject transaction, mortgage in file for previous transaction. (No Data) (No Data) (No Data) Not Applicable Complete
2D2D0A0F-42EF-4507-9550-58B06A07D2B4 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B D B D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2D2D0A0F-42EF-4507-9550-58B06A07D2B4 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B D B D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement Date. (No Data) (No Data) (No Data) Not Applicable Complete
3D1B1A11-2168-40C2-ADDD-330F5AEACBF1 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
3D1B1A11-2168-40C2-ADDD-330F5AEACBF1 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3D1B1A11-2168-40C2-ADDD-330F5AEACBF1 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No PPP prohibited by State, Prepayment penalty expiration XXX. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D2D156FA-7D0D-4108-BFF3-C458C690EEBE XXXXXX XXXXXX XXXXXX XXXXXX PA ATR/QM: Not Provided QM: Safe Harbor D C D C Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX MI cert (No Data) (No Data) (No Data) (No Data) Complete
D2D156FA-7D0D-4108-BFF3-C458C690EEBE XXXXXX XXXXXX XXXXXX XXXXXX PA ATR/QM: Not Provided QM: Safe Harbor D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP1683 TILA - Closing occurred prior to end of waiting period No 3/10/15 closing occurred prior to XXX end of waiting period (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
D2D156FA-7D0D-4108-BFF3-C458C690EEBE XXXXXX XXXXXX XXXXXX XXXXXX PA ATR/QM: Not Provided QM: Safe Harbor D C D C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations (No Data) (No Data) (No Data) (No Data) Complete
D2D156FA-7D0D-4108-BFF3-C458C690EEBE XXXXXX XXXXXX XXXXXX XXXXXX PA ATR/QM: Not Provided QM: Safe Harbor D C D C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) (No Data) Complete
470508E4-FDC3-4CF6-AF50-532F7084B4F0 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure after 3 days from application. (No Data) (No Data) (No Data) (No Data) Complete
470508E4-FDC3-4CF6-AF50-532F7084B4F0 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Prepayment penalty prohibited by state. PPP expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0AF3D7B5-F3C3-4AAE-A9BB-8BD43F82AEFB XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX XXX Rate XXXXXX/APR Variance XXX XXX Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
0AF3D7B5-F3C3-4AAE-A9BB-8BD43F82AEFB XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date is XXX. ARM Disclosure dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
0AF3D7B5-F3C3-4AAE-A9BB-8BD43F82AEFB XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0AF3D7B5-F3C3-4AAE-A9BB-8BD43F82AEFB XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0AF3D7B5-F3C3-4AAE-A9BB-8BD43F82AEFB XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BBD8BE0B-4137-4E53-AD43-F856FCB78CA1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
BBD8BE0B-4137-4E53-AD43-F856FCB78CA1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
9A5D1F8F-39E2-48DD-8180-9DDED82C9D22 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
9A5D1F8F-39E2-48DD-8180-9DDED82C9D22 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A0CB54A1-67BA-45F3-BEB0-6CAF2269CCA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the XXX. (No Data) (No Data) (No Data) Not Applicable Complete
A0CB54A1-67BA-45F3-BEB0-6CAF2269CCA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No First payment date per TIL XXX; first payment date per Note XXX. Dates were changed on Note. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0CB54A1-67BA-45F3-BEB0-6CAF2269CCA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
A0CB54A1-67BA-45F3-BEB0-6CAF2269CCA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepay penalty does not contain soft language for insurance exclusion. PPP expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
A0CB54A1-67BA-45F3-BEB0-6CAF2269CCA0 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active N/A B N/A B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provision not disclosed. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
EFED5B12-66ED-4931-AB60-B54636CC57CB XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.116%; HMDA benchmark rate 4.220%. APR variance of 3.896% exceeds 3.000% threshold. (No Data) (No Data) (No Data) Not Applicable Complete
6226B0D7-F211-4AD9-84CA-FD6FBCBEA650 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable A A A A                               Complete
45548FD4-B6EF-4DCB-8A12-B47CFA5DEA5B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure is dated XXX, application date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
345B2742-02E4-4B19-A0CB-E3D955F3D4CE XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
B438560A-99FA-4967-AA8C-2242E2428456 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
D6296020-0429-4316-A6FC-26BE033BDBBF XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.580% with HMDA Benchmark Rate of 4.690% causing variance of 4.890% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D6296020-0429-4316-A6FC-26BE033BDBBF XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure is XXX is after 3 days from application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
B0C02960-03C9-48E0-BD8B-9E61A799FA56 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B0C02960-03C9-48E0-BD8B-9E61A799FA56 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.146% with HMDA Benchmark Rate 4.690% causing HMDA Benchmark/APR Variance 4.456% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
B0C02960-03C9-48E0-BD8B-9E61A799FA56 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
B0C02960-03C9-48E0-BD8B-9E61A799FA56 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B0C02960-03C9-48E0-BD8B-9E61A799FA56 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
E7BE3AFE-5869-4FBC-8BF7-9A7BD2091B54 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.810 HMDA Benchmark Rate 4.580 HMDA Benchmark/APR Variance 3.230 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
BB7C28EC-BF98-4943-8C74-115AB4D22554 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.823% with HMDA Benchmark Rate 4.930% causing HMDA Benchmark/APR Variance 5.893% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
C951832C-981F-49F1-BCBA-5EFAA30D44A3 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C951832C-981F-49F1-BCBA-5EFAA30D44A3 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FA747CB5-350A-4306-8D18-C3C99DCA85F4 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.022 HMDA Benchmark Rate 4.860 HMDA Benchmark/APR Variance 6.162 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) (No Data) Complete
FA747CB5-350A-4306-8D18-C3C99DCA85F4 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM loan disclosure is missing. (No Data) (No Data) (No Data) (No Data) Complete
5F03D3B4-7B15-47CE-B955-C50EF17AF25B XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
5F03D3B4-7B15-47CE-B955-C50EF17AF25B XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5F03D3B4-7B15-47CE-B955-C50EF17AF25B XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
5F03D3B4-7B15-47CE-B955-C50EF17AF25B XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6085D737-A16C-41C8-9883-AA41FFF46183 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
F296EFF1-65E5-4594-B2F8-3A31B867EA1B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
EE828AB8-B7AB-405A-8788-E3F97BBBEC8A XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender's ATR/QM status determination XXX-Client provided an ATR QM determination XXX-Received an ATR QM determination, Exception satisifed (No Data) Not Applicable Complete
EE828AB8-B7AB-405A-8788-E3F97BBBEC8A XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C A C A Compliance RESPA Satisfied B A B A CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowners Counseling disclosure XXX-Client provided List of Homeowners Counseling Organizations XXX-Received List of Homeowners Counseling Organizations, Exception satisfied (No Data) Not Applicable Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes FHA MI Certificate is missing (No Data) (No Data) (No Data) (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance RESPA Active B B B B CMPRESPA3468 RESPANo evidence that Your Home Loan Toolkit was delivered to the borrower No Home Loan Toolkit is missing. (No Data) (No Data) (No Data) (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Initial application is dated XXX and Written list of providers is dated XXX (No Data) (No Data) (No Data) (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD: XXX Other Costs Section E: Recording Fee does not indicate whether fees are from Mortgage or Deed. (No Data) (No Data) Non-Numeric (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No CD: XXX Contact Information Section: Settlement Agent is missing the contact name.Redisclosure PCCD with use of 130(b) 60 from finding error. (No Data) (No Data) (No Data) (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3552 TRID - Loan Estimate not timely No Initial application is dated XXX and Written list of providers is dated XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence that initial CD issued XXX was received by borrower. CD was not hand dated or e-signed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3845 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No CD: XXX Calculating Cash to Close Section: Cash to Close - Loan Estimate, Value reflects $14905.00 and XXX Calculation - Loan Estimate, Value reflects $18029.00. Redisclosure PCCD with use of 130(b) 60 from finding error (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3919 TRID - CD: The value for Seller Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD XXX Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final LE XXX Calculating Cash to Close Table. Seller Credits and Cash to Close figures do not match.Redisclosure PCCD with use of 130(b) 60 from finding error. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric (No Data) Complete
0D020872-A67B-473B-BF2C-59752877CB2F XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4177 TRID - LE: The Estimated Cash to Close of the Purchase version of the Calculating Cash to Close section on the Loan Estimate does not match its component parts No 1. LE: XXX Calculating Cash To Close Section: Estimated Cash to Close, Value reflects $XXX Calculation, Value reflects $XXX. 2. LE: XXX Calculating Cash To Close Section: Estimated Cash to Close, Value reflect $XXX and XXX Calculation, Value reflects $XXX. 3. LE: XXX, Calculating Cash To Close Section: Estimated Cash to Close, Value reflects $XXXand XXX Calculation, Value reflects $XXX. Not corrected on CD's. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric (No Data) Complete
2D14AEE2-8045-4FAB-887A-70138F0EADCE XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
2D14AEE2-8045-4FAB-887A-70138F0EADCE XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
82E91915-E926-47F3-835A-D192BF83ADC3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Mortgage Insurance required but MI Certificate is missing. (No Data) (No Data) (No Data) Not Applicable Complete
037ED938-7576-4CB7-88EE-4A1479DA5A4E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
037ED938-7576-4CB7-88EE-4A1479DA5A4E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
037ED938-7576-4CB7-88EE-4A1479DA5A4E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
037ED938-7576-4CB7-88EE-4A1479DA5A4E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
4454F291-0E23-4D29-9717-AD468D12D45E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed but is not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
EBFAC4D4-E277-4A49-BEE7-E0DBC11ED4C4 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated XXX. Understatement due to Settlement Closing fee XXX, Courier fee XXX, and Wire Fee XXX underdisclosed on Itemization of Amount Financed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EBFAC4D4-E277-4A49-BEE7-E0DBC11ED4C4 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP989 UT Home Loans - Subordinate Lien, PPP choice not disclosed to Borrower Yes XXX- Subordinate Lien, PPP choice not disclosed to Borrower. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
DFB3208C-1E34-4596-ABBA-B346C076C61A XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
DFB3208C-1E34-4596-ABBA-B346C076C61A XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No 5% Late Charge percentage with XXX minimum exceeds regulatory limits. (No Data) (No Data) (No Data) Not Applicable Complete
DFB3208C-1E34-4596-ABBA-B346C076C61A XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provision not disclosed. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
796ABF1F-8086-4A2B-AB23-A93A9F9D5B8F XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable A A A A                               Complete
4B879EAD-C960-4106-899D-F1184C7F9118 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A3AEB928-144C-4EB7-912E-0239A9F25B4A XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated XXX. Understatement due to XXX settlement closing and XXX wire processing fee underdisclosed on Itemization of Amount Financed. Understatement offset by XXX per diem interest overdisclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B50C5680-0E0E-400E-B39B-50D15F3CA2A4 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
B50C5680-0E0E-400E-B39B-50D15F3CA2A4 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late Charge per Note is XXX of the over due payment but not less than $XXX if overdue by XXX days. (No Data) (No Data) (No Data) Not Applicable Complete
B50C5680-0E0E-400E-B39B-50D15F3CA2A4 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
A2F299F1-F281-4981-88F9-48448C6645D8 XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A2F299F1-F281-4981-88F9-48448C6645D8 XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No There is a fee for XXX for Overnight Fees that was on the HUD-1 that was not listed on the Note Addendum (FND). There is also a letter dated XXX stating that those XXX fees were already refunded to the borrower since they were not disclosed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A2F299F1-F281-4981-88F9-48448C6645D8 XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E577E4AD-71CA-4357-985A-9A8F23BD3B2E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated XXX. Lender's itemization did not include courier fee of XXX or email charge of XXX in prepaid finance charges. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CA12A52C-18AE-410E-BB2B-612CA67A6FE7 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No 5% Late Charge percentage with a XXX minimum exceeds regulatory limits. (No Data) (No Data) (No Data) Not Applicable Complete
CA12A52C-18AE-410E-BB2B-612CA67A6FE7 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction.PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
CC6F1C69-4FAF-4856-AEF6-F984A6C3ABED XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provison not disclosed. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
CC6F1C69-4FAF-4856-AEF6-F984A6C3ABED XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
9BC354C6-2DFC-4FA1-AD43-B4E30DD603B4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
9BC354C6-2DFC-4FA1-AD43-B4E30DD603B4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active N/A B N/A B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of XXX is before disclosed "midnight of" date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
9BC354C6-2DFC-4FA1-AD43-B4E30DD603B4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active N/A B N/A B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of XXX is prior to end of statutory rescission period date XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9BC354C6-2DFC-4FA1-AD43-B4E30DD603B4 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
322D4920-2313-4CB1-BE57-188ECD4CCC6F XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
322D4920-2313-4CB1-BE57-188ECD4CCC6F XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2359ED24-D293-420B-B4E1-1F1EE0A5F502 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2359ED24-D293-420B-B4E1-1F1EE0A5F502 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing early HELOC disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B2A54F78-99CA-4E00-B2F4-DF67E28A9ED4 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B2A54F78-99CA-4E00-B2F4-DF67E28A9ED4 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C0FA96FE-E6C7-4551-8D32-C96252BA8C06 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C0FA96FE-E6C7-4551-8D32-C96252BA8C06 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No Borrower portion of HUD fees of XXX exceeds the FND fees of XXX by XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C0FA96FE-E6C7-4551-8D32-C96252BA8C06 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HUD includes a fee of Recording:Mortgage in the amount of XXX that was not disclosed on FND. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C0FA96FE-E6C7-4551-8D32-C96252BA8C06 XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
56F687D1-AD50-4768-A99C-47EFD659C72D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
56F687D1-AD50-4768-A99C-47EFD659C72D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
56F687D1-AD50-4768-A99C-47EFD659C72D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ECDBF934-3F76-40B2-B8C0-AB90D5B4D2C4 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
E63357F7-EED4-4917-8CE5-F8619B652898 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement date, Cannot determine if funding date is after rescission period. (No Data) (No Data) (No Data) Not Applicable Complete
E63357F7-EED4-4917-8CE5-F8619B652898 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3188 TILA - HELOC Fees Exceed Fee $100 Tolerance No HELOC Fees Exceed Fee XXX Tolerance, Early disclosure had fees of XXX, FND disclosed fees of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4F96DA58-D221-4E13-BDB7-9D04F6CA6E6E XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Review DTI is XXXX, missing updated DU citing review DTI, or evidence that certain debts per DU provided can be omitted. (No Data) (No Data) (No Data) Not Applicable Complete
4F96DA58-D221-4E13-BDB7-9D04F6CA6E6E XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Review DTI is XXXX missing updated DU citing review DTI, or evidence that certain debts per DU provided can be omitted. (No Data) (No Data) (No Data) Not Applicable Complete
4F96DA58-D221-4E13-BDB7-9D04F6CA6E6E XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing VA Loan Guaranty cert. XXXX - Seller comment: Borrower is exempt from VA funding fee per COE - MI N/A XXXX - do not disagree. Exception cites VA LGC as missing; exception to remain at this time. (No Data) Not Applicable Complete
4F96DA58-D221-4E13-BDB7-9D04F6CA6E6E XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance RESPA Active B B B B CMPRESPA3472 RESPA Cannot determine if Your Home Loan Toolkit was provided in a timely manner No RESPA Cannot determine if Your Home Loan Toolkit was provided in a timely manner (No Data) (No Data) (No Data) Not Applicable Complete
4F96DA58-D221-4E13-BDB7-9D04F6CA6E6E XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD:XXXX & XXXX. Section: Contact Information; Real Estate Broker (B) & Real Estate Broker(S) is missing the address. (No Data) (No Data) Non-Numeric Not Applicable Complete
4F96DA58-D221-4E13-BDB7-9D04F6CA6E6E XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No 1. CD: XXXX & XXXX Section: Other Costs, Section (E) missing itemization of Recording costs2. CD: XXXX & XXXX Section: Contact Information; Missing Seller Address entry3. CD: XXXX & XXXX, Section: Contact Information; Real Estate (B) & (S) missing address entry4. CD XXXX & XXXX Section: Calculating Cash to Close; Adjustments and Other Credit reflect value change, however there is no provided explanation (No Data) (No Data) (No Data) Not Applicable Complete
ECAC9E1D-A776-4A93-85E7-62F4D0E9436A XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHE MI Cert. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
3DE1725E-2EF7-496F-A311-E4A5BA578628 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Cert. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
3DE1725E-2EF7-496F-A311-E4A5BA578628 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
3DE1725E-2EF7-496F-A311-E4A5BA578628 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8FF23EBD-ADE9-4B18-B570-4F08CC5FEBF5 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
8FF23EBD-ADE9-4B18-B570-4F08CC5FEBF5 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
E83DF596-201A-49AF-A514-9D1AC217071F XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Cert. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
3694EDAA-DEA2-4178-9687-17C5F4D9B1DE XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 6.076 HMDA Benchmark Rate 2.860 HMDA Benchmark/APR Variance 3.216 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
59CB594A-D9D4-4707-AA9F-031B0A15D29E XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Certificate. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
3B643059-C4AB-468A-AD31-C4B0A597C246 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
3B643059-C4AB-468A-AD31-C4B0A597C246 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D2ADAE7B-C4A3-4105-8350-7D61F8021761 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
EAC14E45-DAA1-4E36-8681-916A49D64974 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Cert. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
61391BCA-69D1-446B-B6C2-62C5B7966C80 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP312 TILA - Final TIL Date after actual transaction date No Settlement date per HUD-1 XXX, Final TIL date XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
973CFA59-1DD7-49E6-96D7-96B48252013B XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.946% with HDMA bench mark rate of 4.880% causing variance of 5.066% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
C67104FE-45C6-4357-B859-13F77F3DAB07 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4A000D64-060D-4289-B1B0-464FFA01ADEB XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
BCD05C3D-9564-4641-988A-EFD614372348 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
17615EA4-30A1-4390-8537-D173B6E632C4 XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable A A A A                               Complete
A98C1DB9-2EEE-4E2A-9957-AF9271B8A13A XXXXXX XXXXXX XXXXXX XXXXXX AR (No Data) ATR/QM: Not Applicable A A A A                               Complete
A44A914B-74AF-4C68-9E84-B866F0EC4B96 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
95CCAD2E-08AD-4DD9-8E79-AC69F049C34D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.509% with HMDA Benchmark Rate of 4.420% causing variance of 3.089% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
663F6345-716F-4809-B935-1904F36E743A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No TIL disclosed APR is 7.200%. Actual calculated APR per payment stream is 7.3581% for a variance of .1581% exceeding max threshold of .125%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
663F6345-716F-4809-B935-1904F36E743A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
663F6345-716F-4809-B935-1904F36E743A XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9FE6B7E9-D4B2-49F6-A1D0-8E77C541E36F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
74040845-C684-4A2F-870A-25559B140EF5 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Cert. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
E3A59D9A-BFFD-4466-B705-66C8B2F2457B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
E3A59D9A-BFFD-4466-B705-66C8B2F2457B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E3A59D9A-BFFD-4466-B705-66C8B2F2457B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA868 Settlement charge estimate not available for 10 business days No GFE dated XXX, with disclosure of settlement charges available through XXX. (No Data) (No Data) (No Data) Not Applicable Complete
EC5C87D9-BA58-4882-9C59-8655146441AE XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable A A A A                               Complete
EC713928-F35D-47CD-8A60-C447F50FCE3B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
A1CB1BA7-6471-4BEC-A665-FFD38E5BA821 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
F3EF4DDC-2F81-460D-A713-46D8B82E9385 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 6.635 HMDA Benchmark Rate 2.980 HMDA Benchmark/APR Variance 3.655 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
EA1433B8-48F9-41B3-9EE8-5B11DD37BC24 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
EA1433B8-48F9-41B3-9EE8-5B11DD37BC24 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA868 Settlement charge estimate not available for 10 business days No GFE dated XXX, Date settlement Charges available through XXX; Settlement charge estimate not available for 10 business days (No Data) (No Data) (No Data) Not Applicable Complete
4B9BE963-D783-408C-BC74-E0702FAC4101 XXXXXX XXXXXX XXXXXX XXXXXX NE (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Cert (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
4B9BE963-D783-408C-BC74-E0702FAC4101 XXXXXX XXXXXX XXXXXX XXXXXX NE (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B9BE963-D783-408C-BC74-E0702FAC4101 XXXXXX XXXXXX XXXXXX XXXXXX NE (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
563C3671-740B-41A3-BE6B-0CD9D3408862 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Certificate. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
563C3671-740B-41A3-BE6B-0CD9D3408862 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
206D91FF-17C4-466F-AF25-B6C887FB0765 XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
206D91FF-17C4-466F-AF25-B6C887FB0765 XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No TIL not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
206D91FF-17C4-466F-AF25-B6C887FB0765 XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated (No Data) (No Data) (No Data) Not Applicable Complete
1238736C-99D0-4BDD-9D2E-746324DEA496 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
5FAB1706-10BB-4626-BBEE-C44076FC981C XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No XXX GFE given after 3 days from XXX application. (No Data) (No Data) (No Data) Not Applicable Complete
60586344-18BF-438C-B4A9-FCC9029B2B6A XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
D056D616-8A39-40A7-8E3B-E538669EA0E7 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
9A1864D8-5137-4578-8E44-52530A4A83C3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9A1864D8-5137-4578-8E44-52530A4A83C3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9A1864D8-5137-4578-8E44-52530A4A83C3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9A1864D8-5137-4578-8E44-52530A4A83C3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9A1864D8-5137-4578-8E44-52530A4A83C3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
9A1864D8-5137-4578-8E44-52530A4A83C3 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F7AD6A47-CD8B-4844-A496-172DF2196DB2 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
7A8193CB-D7E5-4383-B837-CDF115C2C7A0 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
5F3E49DB-F75C-4A02-86E3-13966B105367 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
5F3E49DB-F75C-4A02-86E3-13966B105367 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F3E49DB-F75C-4A02-86E3-13966B105367 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL (No Data) (No Data) (No Data) Not Applicable Complete
5F3E49DB-F75C-4A02-86E3-13966B105367 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F3E49DB-F75C-4A02-86E3-13966B105367 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F3E49DB-F75C-4A02-86E3-13966B105367 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
5F3E49DB-F75C-4A02-86E3-13966B105367 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
183FD195-4C10-4213-A294-08B8924E6D48 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.979% with HMDA Benchmark Rate of 4.540% causing variance of 3.439% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
183FD195-4C10-4213-A294-08B8924E6D48 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
40F33D84-6775-49A0-BB41-C81D539E0362 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Cert (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
40F33D84-6775-49A0-BB41-C81D539E0362 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.669% with HMDA Benchmark Rate of 4.470% causing variance of 3.199% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
D84B15B2-144E-4CAB-989E-52B034A0C7C9 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CAC33720-8F00-469F-A17A-0FB1378C0E35 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No TIL disclosed APR is XXX%. Actual calculated APR per payment stream is XXX% for a variance of XXX% exceeding max threshold of XXX%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CAC33720-8F00-469F-A17A-0FB1378C0E35 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Certificate. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
CAC33720-8F00-469F-A17A-0FB1378C0E35 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per Clayton pay stream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8DE04880-5FB1-47E7-988C-E8ABFAECDCB1 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
53847984-70F5-42E4-8746-B8C5B4C38C0B XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
53847984-70F5-42E4-8746-B8C5B4C38C0B XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No RESPA - List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
53847984-70F5-42E4-8746-B8C5B4C38C0B XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DDDD7688-8ABF-4227-90C8-1182936F6A79 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.364%; HMDA benchmark rate 4.920%. APR variance of 3.444% exceeds 3.000% threshold. (No Data) (No Data) (No Data) Not Applicable Complete
DDDD7688-8ABF-4227-90C8-1182936F6A79 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active N/A B N/A B CMPRESPA3016 RESPA - GFE Not in File No Missing lender's GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1A6AEE6A-970C-48D9-8E16-77E23BC9818C XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender's initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1A6AEE6A-970C-48D9-8E16-77E23BC9818C XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL cut off at bottom, unable to verify borrower executed/dated final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1A6AEE6A-970C-48D9-8E16-77E23BC9818C XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL cut off at bottom, unable to verify borrower executed/dated final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1A6AEE6A-970C-48D9-8E16-77E23BC9818C XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Missing lender's itemization of amount financed, unable to reconcile with documentation provided. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
1A6AEE6A-970C-48D9-8E16-77E23BC9818C XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing lender's GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing XXXX of Note and bottom of XXXX (No Data) (No Data) (No Data) (No Data) Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC806 Notary Status is missing Yes Missing Notary date on Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) (No Data) Complete
A0094BCE-3F5C-4F5F-87FF-64A6DA3CF9D9 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final XXXX XXXX in file, unable to capture fees, missing GFE. XXXX XXXX received XXXX - XXXX received. Exception satisfied. (No Data) Not Applicable Complete
CAACE598-E859-4890-B286-DF8998FF6499 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
E9FAD32A-BC8D-40DA-B610-E0597E9CBD80 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXXHMDA Benchmark Rate XXXX HMDA Benchmark/APR Variance XXXX HMDA Rate Spread Trigger XXXX Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
E9FAD32A-BC8D-40DA-B610-E0597E9CBD80 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Disclosure not dated. (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.154% with HMDA Benchmark Rate 4.860% causing HMDA Benchmark/APR Variance 3.294% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Repayment Ability Active B B B B CMPSTRA1495 MN Home Loan - Repayment Ability not based on Full Doc- Fed Inst No Repayment Ability not based on Full Doc, Loan Terms show Stated Income. (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing Lender GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No MN Home Loan-Prohibited Prepayment Penalty -PPP is Expired. (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1535 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst No MN Home Loan-Prepayment Penalty of 6 months interest on amount over 20% of OPB Exceeds Maximum Allowed- PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1543 MN Home Loan-Prohibited Negative Amortization - Fed Inst No Prohibited Negative Amortization. (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1551 MN Home Loan- Initial Prepayment Penalty Disclosure not in file - Fed Inst No Initial Prepayment Penalty Disclosure not in file. (No Data) (No Data) (No Data) Not Applicable Complete
B33331DB-926C-40BB-97A7-298EFF0B7931 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Prepayment penalty 6 months interest on amount over 20% of OPB exceeds maximum allowed. - PPP is Expired Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
ACC56BE4-17D7-4ED1-8465-CDC57D68985C XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR 7.882 HMDA Benchmark Rate 4.810 HMDA Benchmark/APR Variance 3.072 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
4D210ECB-E39D-475C-9EC9-13D7464F191F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No TILs in file not dated nor hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4D210ECB-E39D-475C-9EC9-13D7464F191F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No TILs in file not dated nor hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4D210ECB-E39D-475C-9EC9-13D7464F191F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TILs in file not dated nor hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4D210ECB-E39D-475C-9EC9-13D7464F191F XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Earliest GFE in file dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
2B9E1EF3-C080-4E07-9C40-018D6614A00E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN2956 Missing disclosure No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
2B9E1EF3-C080-4E07-9C40-018D6614A00E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
2B9E1EF3-C080-4E07-9C40-018D6614A00E XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
45DCC497-37F8-4A59-822F-279D02042B8C XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Insufficient Information for APR-Payment Stream Testing. (No Data) (No Data) (No Data) Not Applicable Complete
45DCC497-37F8-4A59-822F-279D02042B8C XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
45DCC497-37F8-4A59-822F-279D02042B8C XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing initial application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
45DCC497-37F8-4A59-822F-279D02042B8C XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
EF4CA144-0A99-492A-B8B6-22A955FDDB34 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
9798F560-0A0C-4F56-BFEC-2FD9F042F3D3 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.124% with HMDA Benchmark Rate of 4.750% causing variance of 3.374% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
9798F560-0A0C-4F56-BFEC-2FD9F042F3D3 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
87B33186-ABCF-47E1-B441-55158547A05E XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.886 HMDA Benchmark Rate 4.420 HMDA Benchmark/APR Variance 3.466 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
87B33186-ABCF-47E1-B441-55158547A05E XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
87B33186-ABCF-47E1-B441-55158547A05E XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
87B33186-ABCF-47E1-B441-55158547A05E XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
87B33186-ABCF-47E1-B441-55158547A05E XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD. XXX HUD-1 for incorrect borrower provided.XXX HUD-1 provided. XXX HUD-1 for incorrect borrower provided; Exception remains.XXX Exception satisfied. (No Data) Not Applicable Complete
87B33186-ABCF-47E1-B441-55158547A05E XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F53B83F8-CC19-4A59-8255-5D0B45C83BA6 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN2956 Missing disclosure No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
F53B83F8-CC19-4A59-8255-5D0B45C83BA6 XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.900%, the benchmark APR is 5.260% which results in APR Variance of 4.640% which exceeds the maximum allowed of 3.00%. (No Data) (No Data) (No Data) Not Applicable Complete
EA8EDB42-A0C2-47F4-A4D8-AE73C62336E5 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN2956 Missing disclosure No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
EA8EDB42-A0C2-47F4-A4D8-AE73C62336E5 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.765 with HMDA Benchmark Rate of 5.260% causing variance of 4.505 which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
55F3E213-A784-401B-809E-B36CB6EE6101 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN2956 Missing disclosure No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
55F3E213-A784-401B-809E-B36CB6EE6101 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 9.780% with a benchmark rate of 4.540% resulting in a variance of 5.240% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
55F3E213-A784-401B-809E-B36CB6EE6101 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55F3E213-A784-401B-809E-B36CB6EE6101 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55F3E213-A784-401B-809E-B36CB6EE6101 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55F3E213-A784-401B-809E-B36CB6EE6101 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6743115-2974-4699-B8B7-A42DD1909E7D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 7.413% per final TIL with a benchmark rate of 4.280% resulting in a variance of 3.133% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
A6743115-2974-4699-B8B7-A42DD1909E7D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A6743115-2974-4699-B8B7-A42DD1909E7D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8CDFC769-175D-40CB-ACD2-A6A51AFF2B1F XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 10.905% per final TIL with a benchmark rate of 4.760% resulting in a variance of 6.145% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
A1A70CA7-FE26-4AEB-B046-9E805F17CD10 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.090% with HMDA Benchmark Rate of 4.920% causing variance of 5.170% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A1A70CA7-FE26-4AEB-B046-9E805F17CD10 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty is hard and lacks Lender to Lender refinance provision. (No Data) (No Data) (No Data) Not Applicable Complete
18188375-4506-4428-8D9C-864A0CC91AA2 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.241% with HMDA Benchmark Rate of 4.810% causing variance of 3.431% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
18188375-4506-4428-8D9C-864A0CC91AA2 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL is neither signed nor dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
18188375-4506-4428-8D9C-864A0CC91AA2 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is neither signed nor dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
0340A3BB-E0BA-4BBC-A088-CC74CD1B546E XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable A A A A                               Complete
CF500F35-33CD-45DB-B748-DF7406FCBE96 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C D C D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
CF500F35-33CD-45DB-B748-DF7406FCBE96 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C D C D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes Missing necessary documents to complete review. (No Data) (No Data) (No Data) (No Data) Complete
CF500F35-33CD-45DB-B748-DF7406FCBE96 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C D C D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXX Test APR 10.896 HMDA Benchmark Rate 4.920 HMDA Benchmark/APR Variance 5.976 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
CF500F35-33CD-45DB-B748-DF7406FCBE96 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C D C D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
CF500F35-33CD-45DB-B748-DF7406FCBE96 XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C D C D Compliance State Late Charges Active B B B B CMPSLC1121 Late Charge percentage exceeds customary maximum No Late fee per note reflects, If a payment is more than 15 days late, Borrower will be charged a late charge of 6.00% of the payment amount; XXX State Statute requires late fee of no more than 5% of the payment amount if the loan is more than 15 days late, therefore late fee exceeds maximum. (No Data) (No Data) (No Data) Not Applicable Complete
B63BEAF4-8FFA-41BC-9864-22A55F8A1316 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4B39F241-A0A9-4751-8CEF-AFF488CE278D XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Missing Lenders status determination. DU approved 54.54% DTI. (No Data) (No Data) (No Data) Not Applicable Complete
4B39F241-A0A9-4751-8CEF-AFF488CE278D XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No XXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan is subject to ATR/QM rule, loan is missing required documents to complete review and render an accurate ATR/QM status: Agree, only employment letter in file, no evidence borrower started job and received pay stub prior to closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B39F241-A0A9-4751-8CEF-AFF488CE278D XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
416DC67A-15EC-47F8-AF71-7FEE94639C18 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
416DC67A-15EC-47F8-AF71-7FEE94639C18 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Early TIL dated XXX was not received within 3 days of application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
416DC67A-15EC-47F8-AF71-7FEE94639C18 XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated XXX by payment stream. Lender TIL reflects final payment of XXX versus calculated final payment of XXX for a variance of XXX. MI payment per HUD-1 is XXX, missing MI cert. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CD860C22-AC18-49C3-84A8-A7574BA1AE86 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No XXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan is subject to ATR/QM rule, loan is missing required documents to complete review and render an accurate ATR/QM status: Agree, FHA Streamline, missing VVOE for employment listed on 1003. Missing Lender approval and FHA HUD 92900-LT (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CD860C22-AC18-49C3-84A8-A7574BA1AE86 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes XXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan is subject to ATR/QM rule, loan is missing required documents to complete review and render an accurate ATR/QM status: Agree, FHA Streamline, missing VVOE for employment listed on 1003. Missing Lender approval and FHA HUD 92900-LT (No Data) (No Data) (No Data) Not Applicable Complete
CD860C22-AC18-49C3-84A8-A7574BA1AE86 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Compliance Manual Active D D D D CMPMAN2478 Missing Legal Documentation Yes Missing 92900LT. (No Data) (No Data) (No Data) (No Data) Complete
CD860C22-AC18-49C3-84A8-A7574BA1AE86 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) (No Data) Complete
CD860C22-AC18-49C3-84A8-A7574BA1AE86 XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA1931 GFE Summary of loan terms inaccurate No Loan Amount $XXX with P&I of $XXX per Note; GFE reflects Loan Amount $XXX with P&I of $XXX; GFE Summary of loan terms inaccurate. (No Data) (No Data) (No Data) (No Data) Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Missing Lenders status determination. (No Data) (No Data) (No Data) Not Applicable Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Missing Documents to complete ATR/QM. Missing income, assets, CBR and Lender Approval and/or AUS finding. Missing origination documents used to qualify and determine ability to repay (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1669 TILA - Corrected TIL not in file No Missing corrected TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) (No Data) Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
0175D6CE-D4F3-422F-A36C-A0B5F5388094 XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
75029573-9AAF-4D5F-944C-03307CB0723B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception (No Data) (No Data) (No Data) (No Data) Complete
75029573-9AAF-4D5F-944C-03307CB0723B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/TIL. (No Data) (No Data) (No Data) (No Data) Complete
75029573-9AAF-4D5F-944C-03307CB0723B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR114 ROR - Right of Rescission not executed by all title holders No Missing Right of Rescission for Borrower 1's spouse. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
75029573-9AAF-4D5F-944C-03307CB0723B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Prepayment Penalty per Note is 6%; State maximum is 2.0%. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
1E6BB119-198F-46FE-8B41-B12E2EE92538 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
AE72A92A-004A-41A9-8131-DFC732ADFE25 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX% with benchmark rate of XXX% for a variance of XXX% exceeding the rate spread trigger of 3% (No Data) (No Data) (No Data) Not Applicable Complete
AE72A92A-004A-41A9-8131-DFC732ADFE25 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
AE72A92A-004A-41A9-8131-DFC732ADFE25 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
911EFA9C-F429-4D25-842A-9343CAB6E12B XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A D A D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes This file is missing all needed docs to review. (No Data) (No Data) (No Data) (No Data) Missing File; Unavailable for Review
01DAF531-4014-4893-B613-A1A0A39B1E1E XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.017%, the benchmark APR is 5.260% resulting in a difference of 3.757%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
01DAF531-4014-4893-B613-A1A0A39B1E1E XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX. ARM Disclosure dated XXX. ARM Disclosure not provided within 3 days of Application Date. (No Data) (No Data) (No Data) Not Applicable Complete
232F86E5-FC3C-422B-8DB9-17724A5F39AB XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Rebuttable Presumption QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE XXX, XXX and XXX Contact information the state is not listed for the NMLS ID number provided. CD issued XXX corrects this error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
6AD2DA8C-A900-4EA9-BF9D-0A66BAA026B9 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing Mortgage Insurance Certificate. (No Data) Loan is no longer insured per tape. Final grade B. (No Data) Not Applicable Complete
6AD2DA8C-A900-4EA9-BF9D-0A66BAA026B9 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No File contained Acknowledgement of receipt of Homeownership Counseling Organization List. It did not have the actual list. (No Data) (No Data) (No Data) Not Applicable Complete
6AD2DA8C-A900-4EA9-BF9D-0A66BAA026B9 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
6AD2DA8C-A900-4EA9-BF9D-0A66BAA026B9 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX, Section: Summaries of Transactions, Sale Price of Property minus Loan Amount is: XXX; Calculating Cash to Close, Down Payment/Funds from XXX- Final, Value: XXX. Values do not match. The difference is XXX, which is the XXX from Loan Costs, B. Services XXX Did Not Shop For. This is a FHA loan (No Data) (No Data) Numeric Not Applicable Complete
6AD2DA8C-A900-4EA9-BF9D-0A66BAA026B9 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, and CD: XXX, Section: Other Costs, F. Prepaids, Homeowner's Insurance Premium and Flood Insurance do not have the number of months designated. (No Data) (No Data) Hybrid Not Applicable Complete
6AD2DA8C-A900-4EA9-BF9D-0A66BAA026B9 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Missing e-consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1DEDEEF6-F980-487F-AFD3-73A9430276CC XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure was dated as of closing; not provided within 3 days of application (No Data) (No Data) (No Data) Not Applicable Complete
1DEDEEF6-F980-487F-AFD3-73A9430276CC XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Note P and I is XXX, missing PMI payment of XXX. TIL final payment of XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1DEDEEF6-F980-487F-AFD3-73A9430276CC XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1307 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated No Copy in file is not dated by the borrower (No Data) (No Data) (No Data) Not Applicable Complete
1DEDEEF6-F980-487F-AFD3-73A9430276CC XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1301 RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc(Home Loan), Not signed by Lender Yes Copy is missing the lender signature (No Data) (No Data) (No Data) Not Applicable Complete
253A96B8-2EE8-460F-8174-785C742E8899 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
253A96B8-2EE8-460F-8174-785C742E8899 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
253A96B8-2EE8-460F-8174-785C742E8899 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
89C81D5A-06FE-4F52-A057-0E2F7711C896 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Lender GFE is not in file. (No Data) (No Data) (No Data) Not Applicable Complete
372C1964-6CA3-4430-A541-16098D1E64EF XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing credit report and evidence of DU required judgment paid. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
372C1964-6CA3-4430-A541-16098D1E64EF XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a different status than the Lender's status determination due to missing ATR UW factors. (No Data) (No Data) (No Data) Not Applicable Complete
372C1964-6CA3-4430-A541-16098D1E64EF XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM3084 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. 5/31/17 XXX provided an email at XXX indicating all loans are XXX at origination. 5/31/17 Exception satisfied. (No Data) Not Applicable Complete
372C1964-6CA3-4430-A541-16098D1E64EF XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No The application reflect no middle name for the loan officer, the NMLS registry reflects a full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
372C1964-6CA3-4430-A541-16098D1E64EF XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
372C1964-6CA3-4430-A541-16098D1E64EF XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
55B79241-FE42-4B46-AA5C-D10F49FDBFF8 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Missing documentation for mortgage debt disclosed on credit report with UPB of XXX listed on AUS and 1003. Payment amount of XXX included in back debt. (No Data) (No Data) (No Data) Not Applicable Complete
55B79241-FE42-4B46-AA5C-D10F49FDBFF8 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a different status than the Lender's status determination due to missing documentation on undisclosed mortgage debts not listed on AUS and 1003. (No Data) (No Data) (No Data) Not Applicable Complete
55B79241-FE42-4B46-AA5C-D10F49FDBFF8 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3690 TRIDEvidence in file that a fee was imposed on the borrower prior to the borrower expressing an intent to proceed No Missing executed intent to proceed. (No Data) (No Data) (No Data) Not Applicable Complete
55B79241-FE42-4B46-AA5C-D10F49FDBFF8 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3552 TRID - Loan Estimate not timely No The LE was not issued to the borrower within the 3 day grace. The initial application was completed on XXX and the LE issued on XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55B79241-FE42-4B46-AA5C-D10F49FDBFF8 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide a copy of the Initial CD and proof the that the Initial CD was received 3 days prior to the consummated date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55B79241-FE42-4B46-AA5C-D10F49FDBFF8 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Please provide Change of Circumstance letter for the Appraisal Fee increase on the CD's issued XXX. A zero tolerance has been found in the amount of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
11189EC7-39AA-45BC-BA4A-1A61BBB42799 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing DU approval to verify requirements of foreclosure. (No Data) (No Data) (No Data) Not Applicable Complete
11189EC7-39AA-45BC-BA4A-1A61BBB42799 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a different status than the Lender's status determination due to missing DU approval to verify requirements of foreclosure. (No Data) (No Data) (No Data) Not Applicable Complete
11189EC7-39AA-45BC-BA4A-1A61BBB42799 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Documentation Satisfied D A D A CMPDOC155 Application Missing No Application Missing (No Data) (No Data) (No Data) Not Applicable Complete
11189EC7-39AA-45BC-BA4A-1A61BBB42799 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3690 TRIDEvidence in file that a fee was imposed on the borrower prior to the borrower expressing an intent to proceed No Missing signed copy of Intent To Proceed (No Data) (No Data) (No Data) Not Applicable Complete
11189EC7-39AA-45BC-BA4A-1A61BBB42799 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Loan consummated before end of waiting period; Only CD in file is dated XXX which is day of closing. Please provide proof the initial CD was received by the borrower 3 days before the consummation date XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
11189EC7-39AA-45BC-BA4A-1A61BBB42799 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3530 TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation No Exception satisfied. CD XXX Other Costs Section F is formatted correctly. LE: XXX Other Costs -Prepaids (F) - Homeowners Insurance Premium missing number of months and Property Taxes - is missing number of months. (No Data) Exception satisfied. CD XXX Other Costs Section F is formatted correctly. LE: XXX Other Costs -Prepaids (F) - Homeowners Insurance Premium missing number of months and Property Taxes - is missing number of months Non-Numeric Not Applicable Complete
43B07590-6002-457B-BBE7-D66F4DC51331 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
43B07590-6002-457B-BBE7-D66F4DC51331 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
43B07590-6002-457B-BBE7-D66F4DC51331 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
38C2F3B4-E724-4F9C-A3BD-6CF72B070CD5 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX HMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXX HMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
4CDCF70B-79B9-4F1D-BE0C-EF4834854CC8 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Per AUS/DU findings missing evidence of deposit and source of gift funds used to close, in addition XXX assets used in DU findings do not match documents in the file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4CDCF70B-79B9-4F1D-BE0C-EF4834854CC8 XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4647 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination Yes Lender Status is XXX; Clayton status is Non-QM: Lender did not document all ATR UW factors; AUS does not match loan, due to not meeting minimum asset requirement. (No Data) (No Data) (No Data) Not Applicable Complete
1B430849-5829-44D5-ACAD-7CEFD11FAF76 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
1B430849-5829-44D5-ACAD-7CEFD11FAF76 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No CD: XXX Loan Disclosure Section: Late payment is missing the days and late charge percentage. (No Data) (No Data) (No Data) Not Applicable Complete
1B430849-5829-44D5-ACAD-7CEFD11FAF76 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No CD: XXX Loan Disclosure Section: Security Interest is missing the property address. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B430849-5829-44D5-ACAD-7CEFD11FAF76 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3955 TRID - CD: The Property Tax escrow indicator in the Projected Payments section disagrees with the Escrowed/Non-Escrowed Property Costs over Year 1 indicators in the Loan Disclosures section No CD: XXX Loan Disclosures Section: Escrowed Property Costs don't include Property Taxes and "Homeowner's Insurance." (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
F2E9A0C7-01FB-4DB5-9090-EFB403417DA7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Clayton Status is Non-QM: Lender did not document all ATR UW factors, AUS DU requires Assets totaling $XXX, per documents in the file total $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F2E9A0C7-01FB-4DB5-9090-EFB403417DA7 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4647 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination Yes Lender Status is XXX; Clayton Status is Non-QM: Lender did not document all ATR UW factors, AUS DU requires Assets totaling $XXX, per documents in the file total $XXX. (No Data) (No Data) (No Data) Not Applicable Complete
0C1D2189-0EBE-4E49-88A7-CE66876F6DAD XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH A C A C Compliance Documentation Active N/A C N/A C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI cert (No Data) (No Data) (No Data) Not Applicable Complete
78C5B9F3-D3B9-40DF-B660-068B1BE036E7 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
78C5B9F3-D3B9-40DF-B660-068B1BE036E7 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
78C5B9F3-D3B9-40DF-B660-068B1BE036E7 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
78C5B9F3-D3B9-40DF-B660-068B1BE036E7 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No Missing Note. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
A306D8AA-6CB3-480B-BCAD-6C636B5222B9 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 11.441% per final TIL with a benchmark rate of 4.750% resulting in a variance of 6.691% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
A306D8AA-6CB3-480B-BCAD-6C636B5222B9 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4F918D35-B728-445A-9E4B-AE074112C6F5 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD-1. XXX- HUD1 provided. XXX - satisfied. (No Data) Not Applicable Complete
D8280414-FD4F-473B-B87A-1642D3C6454D XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR114 ROR - Right of Rescission not executed by all title holders No Missing ROR executed by borrower. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
12A65087-7376-4E5A-B23F-9B0F4D9A0879 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
F75886DD-D4B5-4D5A-B47D-9FAA7E20BB35 XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
F75886DD-D4B5-4D5A-B47D-9FAA7E20BB35 XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
F75886DD-D4B5-4D5A-B47D-9FAA7E20BB35 XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
F75886DD-D4B5-4D5A-B47D-9FAA7E20BB35 XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F75886DD-D4B5-4D5A-B47D-9FAA7E20BB35 XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E7A35FFF-EA88-4D2F-B5B8-5673ADCE46EC XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E7A35FFF-EA88-4D2F-B5B8-5673ADCE46EC XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of XXX is before the rescission period end date based on the Mortgage notary date of XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E7A35FFF-EA88-4D2F-B5B8-5673ADCE46EC XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
8A546016-1148-477A-8F08-E5D64FFB0ECD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
8A546016-1148-477A-8F08-E5D64FFB0ECD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
8A546016-1148-477A-8F08-E5D64FFB0ECD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
8A546016-1148-477A-8F08-E5D64FFB0ECD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
8A546016-1148-477A-8F08-E5D64FFB0ECD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8A546016-1148-477A-8F08-E5D64FFB0ECD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
8A546016-1148-477A-8F08-E5D64FFB0ECD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active N/A B N/A B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR, unable to verify loan purpose with documentation provided. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D0E1DA5E-3FD1-4788-BB4A-13D78A7ED738 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A                               Complete
07FC3EBE-B3E3-44A1-8FB8-EF9A3ABEB150 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
07FC3EBE-B3E3-44A1-8FB8-EF9A3ABEB150 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
07FC3EBE-B3E3-44A1-8FB8-EF9A3ABEB150 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CC287D5A-33B3-481A-AA7C-9300B22D71E8 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
CC287D5A-33B3-481A-AA7C-9300B22D71E8 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date per file XXX. Earliest rescission date allowable is XXX. Loan funds were disbursed prior to mandatory rescission period expiration date. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
CC287D5A-33B3-481A-AA7C-9300B22D71E8 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction. -PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
88C9F985-F6FD-49C1-92BA-28E919432099 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
88C9F985-F6FD-49C1-92BA-28E919432099 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
88C9F985-F6FD-49C1-92BA-28E919432099 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
F6EBA3CC-2361-41F1-990F-8810C355097E XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
F6EBA3CC-2361-41F1-990F-8810C355097E XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
F6EBA3CC-2361-41F1-990F-8810C355097E XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
F6EBA3CC-2361-41F1-990F-8810C355097E XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F6EBA3CC-2361-41F1-990F-8810C355097E XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
F6EBA3CC-2361-41F1-990F-8810C355097E XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR, unable to verify loan purpose with documents provided. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
270F24DE-2B90-479A-BC0C-C3278F70D857 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
270F24DE-2B90-479A-BC0C-C3278F70D857 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement Date. (No Data) (No Data) (No Data) Not Applicable Complete
270F24DE-2B90-479A-BC0C-C3278F70D857 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance State Rate Spread Active C C C C CMPSRS300 NY Subprime Home Loan Yes XXX Subprime based on transaction date after XXX where the APR exceeds by more than 1.75% the commitment rate for a like product type for the XXX Region as published in the XXX XXX Primary Mortgage Market Survey as posted the week prior to the application date. Test APR 7.152, Conventional Mortgage Rate 5.170, APR/ Conv. Mortgage Rate Variance 1.982. Unable to fully test for XXX Subprime compliance without prior loan docs, and loan file delivered without origination documents that were used to determine ability to repay the loan. (No Data) (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.990 HMDA Benchmark Rate 5.000 HMDA Benchmark/APR Variance 4.990 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Repayment Ability Active B B B B CMPSTRA1497 File does not contain a repayment ability worksheet No File does not contain a repayment ability worksheet (No Data) (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR, subject to verification of loan purpose. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
B8F21015-9E87-420E-B795-E9120A1761C4 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No No acknowledgement of Oral Tax/Insurance Disclosure in file (No Data) (No Data) (No Data) Not Applicable Complete
6DCF2FCA-3DFE-4176-B792-7044E2B8E69D XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.466 HMDA Benchmark Rate 4.930 HMDA Benchmark/APR Variance 5.536 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
6DCF2FCA-3DFE-4176-B792-7044E2B8E69D XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6DCF2FCA-3DFE-4176-B792-7044E2B8E69D XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
743B392C-B321-4D18-93FF-AE6F6ED5B472 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Step/Fixed. (No Data) (No Data) (No Data) Not Applicable Complete
743B392C-B321-4D18-93FF-AE6F6ED5B472 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC3280 One or more Applications in file are incomplete No 1003 in file is missing 1 page and is incomplete. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
743B392C-B321-4D18-93FF-AE6F6ED5B472 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
743B392C-B321-4D18-93FF-AE6F6ED5B472 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
743B392C-B321-4D18-93FF-AE6F6ED5B472 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Step/Fixed. (No Data) (No Data) (No Data) Not Applicable Complete
231D4044-2479-4E65-BE70-43D011668115 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
231D4044-2479-4E65-BE70-43D011668115 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
03BA2547-3FDD-42E6-A93F-B39E70492420 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Mortgage Insurance required but MI Certificate is missing. (No Data) (No Data) (No Data) Not Applicable Complete
03BA2547-3FDD-42E6-A93F-B39E70492420 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
03BA2547-3FDD-42E6-A93F-B39E70492420 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
03BA2547-3FDD-42E6-A93F-B39E70492420 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
AF00AB11-1799-4C1E-A0C8-5A922DEB2912 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
AF00AB11-1799-4C1E-A0C8-5A922DEB2912 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
AF00AB11-1799-4C1E-A0C8-5A922DEB2912 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
AF00AB11-1799-4C1E-A0C8-5A922DEB2912 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
AF00AB11-1799-4C1E-A0C8-5A922DEB2912 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
AF00AB11-1799-4C1E-A0C8-5A922DEB2912 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
AF00AB11-1799-4C1E-A0C8-5A922DEB2912 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
AA1DCA87-78BC-4F36-8F6E-5368E0F1D5E0 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
0E576EFC-D3D7-4761-A410-3F4918DFC416 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C02D3A6A-FDE1-4A07-BC4E-C2673D725E58 XXXXXX XXXXXX XXXXXX XXXXXX HI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. XXX - [GS: XXX] Loan is outside of the statute of limitations for federal high cost and is not subject to state high cost. XXX - Subject to Testing, XXX does not apply a SOL to Predatory Testing Violations (No Data) Not Applicable Complete
7A07DA26-B368-482C-AB02-91BDA5F8E267 XXXXXX XXXXXX XXXXXX XXXXXX HI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- HUD-1 is missing signature/Certification. XXX - HUD1 provided, same as reviewed for cited exception. Also copy of Estimated/Preliminary HUD1 provided. XXX - A signed or certified final HUD1 remain as missing; exception to remain at this time. (No Data) Not Applicable Complete
69D18ACA-2A3B-438F-9C93-0A03685620B1 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
888ED0D9-43EC-4162-B8D2-D49549B84223 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable A A A A                               Complete
07B53BBD-1E44-4E3F-A704-AD88A46CE7EE XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate (No Data) (No Data) (No Data) Not Applicable Complete
07B53BBD-1E44-4E3F-A704-AD88A46CE7EE XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No Test APR of XXX with HMDA Benchmark Rate of XXX causing variance of XXX which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
07B53BBD-1E44-4E3F-A704-AD88A46CE7EE XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD XXX-XXX is E-signed. Provide E-consent. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.781% with HMDA Benchmark Rate 4.940% causing HMDA Benchmark/APR Variance 5.841% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
103E26B5-063B-466A-A857-02CB2331C0D8 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A214DDB4-CE5E-4B59-BD5A-55684EF2EE21 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.868%; HMDA benchmark rate 5.000%. APR variance of 5.868% exceeds 3.000% threshold. (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date XXX Test APR XXXX HMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXX HMDA Rate Spread TriggerXXX Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Repayment Ability Active B B B B CMPSTRA1497 File does not contain a repayment ability worksheet No File does not contain a repayment ability worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. Unable to capture fees due to missing docs. (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No MN No acknowledgement of Oral Tax/Insurance Disclosure in file. (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1559 MN Home Loan - Initial Prepayment Disclosure not dated by Borrower No Initial Prepayment Disclosure not dated by Borrower. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1561 MN Home Loan - Unable to determine Initial Prepay Penalty Disclosure Delivered Date No Unable to determine Initial Prepay Penalty Disclosure Delivered Date. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Prepayment penalty exceeds maximum allowed (months interest). PPP term has expired. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Prepayment penalty type exceeds maximum allowed. PPP term has expired. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active C B C B CMPSTPP1529 MN Home Loan-Prohibited Prepayment Penalty No Prohibited Prepayment Penalty. PPP term has expired. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active C B C B CMPSTPP1533 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed No MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed. PPP term has expired. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E02938D5-19AC-4E49-BBF7-4290B24539A8 XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Rate Spread Active C C C C CMPSRS1523 MN Home Loan-Prepayment Penalty Prohibited for Sub-Prime Loans Yes It is unknown if loan is sub-prime. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
77E561BE-CC09-40F8-9782-3868A3A156C0 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.251% with benchmark rate of 4.56% for a variance of 4.691% exceeding the rate spread trigger of 3% (No Data) (No Data) (No Data) Not Applicable Complete
77E561BE-CC09-40F8-9782-3868A3A156C0 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
77E561BE-CC09-40F8-9782-3868A3A156C0 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
77E561BE-CC09-40F8-9782-3868A3A156C0 XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. TIL payment stream reflects 24 payments at $XXX; 335 payments at $XXX; and 1 payment at XXX. Payment as calculated is 24 payments at $XXX; 335 payments at $XXX; and 1 final payment at $XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes New XXX- Incomplete/Illegible HUD-1. HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR VarianceXXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1. XXX - HUD1 provided XXX- Exception satisfied (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E0CCC093-B6E1-4FF1-81ED-D021BFE3E96D XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active N/A B N/A B CMPROR2043 Cannot determine if funding date is after rescission period No New XXX- Disbursement date is unknown (No Data) (No Data) (No Data) Not Applicable Complete
C3A8BC10-3BB4-46D7-A9AE-70FDB3638A57 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
C3A8BC10-3BB4-46D7-A9AE-70FDB3638A57 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
C3A8BC10-3BB4-46D7-A9AE-70FDB3638A57 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
C3A8BC10-3BB4-46D7-A9AE-70FDB3638A57 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1 none in file, unable to capture fees, missing GFE. (No Data) XXX - HUD-1 Received. Exception Satisfied. (No Data) Not Applicable Complete
08AC89A3-4732-47A5-A3B3-92571E11597E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
08AC89A3-4732-47A5-A3B3-92571E11597E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
08AC89A3-4732-47A5-A3B3-92571E11597E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
08AC89A3-4732-47A5-A3B3-92571E11597E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
08AC89A3-4732-47A5-A3B3-92571E11597E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
08AC89A3-4732-47A5-A3B3-92571E11597E XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
718ECFE4-AEC1-4F27-928A-9459DCC1A6CA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
718ECFE4-AEC1-4F27-928A-9459DCC1A6CA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
718ECFE4-AEC1-4F27-928A-9459DCC1A6CA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No No statement of waiver for the early termination fee if paid by insurance proceeds. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
718ECFE4-AEC1-4F27-928A-9459DCC1A6CA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A42BF4AF-C389-45B4-BEBB-CAE8DFB46436 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A42BF4AF-C389-45B4-BEBB-CAE8DFB46436 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A42BF4AF-C389-45B4-BEBB-CAE8DFB46436 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
A42BF4AF-C389-45B4-BEBB-CAE8DFB46436 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
A42BF4AF-C389-45B4-BEBB-CAE8DFB46436 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Prepayment penalty type exceeds maximum allowed (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A42BF4AF-C389-45B4-BEBB-CAE8DFB46436 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
23DFD045-0C1F-4DF3-98D1-B5CAB4786E2F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
23DFD045-0C1F-4DF3-98D1-B5CAB4786E2F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. Lender's payment stream is $XXX for 119 months plus one final payment of $XXX. XXX calculated payment stream is $XXX for 119 months plus one final payment of $XXX for a variance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
23DFD045-0C1F-4DF3-98D1-B5CAB4786E2F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
AFB1F5C1-5CC2-4CF7-981D-D24753E26442 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AFB1F5C1-5CC2-4CF7-981D-D24753E26442 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
AFB1F5C1-5CC2-4CF7-981D-D24753E26442 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
7FF4762F-3896-4CBF-9937-C21942F625C9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7FF4762F-3896-4CBF-9937-C21942F625C9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7FF4762F-3896-4CBF-9937-C21942F625C9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
7FF4762F-3896-4CBF-9937-C21942F625C9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B7E83BE-638B-4833-A121-F51F5E9CE0A9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B7E83BE-638B-4833-A121-F51F5E9CE0A9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1B7E83BE-638B-4833-A121-F51F5E9CE0A9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
1B7E83BE-638B-4833-A121-F51F5E9CE0A9 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
721E5FBD-94F8-44DE-BA6E-7097E7DBBD33 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
721E5FBD-94F8-44DE-BA6E-7097E7DBBD33 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
721E5FBD-94F8-44DE-BA6E-7097E7DBBD33 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
721E5FBD-94F8-44DE-BA6E-7097E7DBBD33 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
721E5FBD-94F8-44DE-BA6E-7097E7DBBD33 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A022C36B-985D-493D-93CE-4A1CA0168941 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A022C36B-985D-493D-93CE-4A1CA0168941 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A022C36B-985D-493D-93CE-4A1CA0168941 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
A022C36B-985D-493D-93CE-4A1CA0168941 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
84BBB570-1805-4839-9D28-86688151E71B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
84BBB570-1805-4839-9D28-86688151E71B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
84BBB570-1805-4839-9D28-86688151E71B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
84BBB570-1805-4839-9D28-86688151E71B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
84BBB570-1805-4839-9D28-86688151E71B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63D0D436-121D-4437-A56A-B19BA71553A1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63D0D436-121D-4437-A56A-B19BA71553A1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
63D0D436-121D-4437-A56A-B19BA71553A1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
871FA9D1-4630-45D3-B2AB-2A62FF14C8ED XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
871FA9D1-4630-45D3-B2AB-2A62FF14C8ED XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
871FA9D1-4630-45D3-B2AB-2A62FF14C8ED XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
871FA9D1-4630-45D3-B2AB-2A62FF14C8ED XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
79D03B65-7A11-45E4-85D3-4D443E3969F4 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
79D03B65-7A11-45E4-85D3-4D443E3969F4 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
79D03B65-7A11-45E4-85D3-4D443E3969F4 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No No statement of waiver for the early termination fee if paid by insurance proceeds. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
79D03B65-7A11-45E4-85D3-4D443E3969F4 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55957F9A-4B3E-47C6-B309-BBE78071BFAD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55957F9A-4B3E-47C6-B309-BBE78071BFAD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
55957F9A-4B3E-47C6-B309-BBE78071BFAD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
ACF0DE19-91D2-443C-A03B-330FFD399817 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ACF0DE19-91D2-443C-A03B-330FFD399817 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
ACF0DE19-91D2-443C-A03B-330FFD399817 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A8B71A33-48AE-4EE5-940A-CC145AC4786F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A8B71A33-48AE-4EE5-940A-CC145AC4786F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A8B71A33-48AE-4EE5-940A-CC145AC4786F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. Lender's payment stream is $XXX for 120 months versus calculated payment stream of $XXX for 119 months with 1 final payment of $XXX for a variance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A8B71A33-48AE-4EE5-940A-CC145AC4786F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2C537935-D41D-4F8E-9AB1-F76DB7BF3AE7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2C537935-D41D-4F8E-9AB1-F76DB7BF3AE7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
2C537935-D41D-4F8E-9AB1-F76DB7BF3AE7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2C537935-D41D-4F8E-9AB1-F76DB7BF3AE7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. Note date was XXX, which is what the ROR was based off; however the actual transaction date based on the mortgages signature/notarization date was XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2C537935-D41D-4F8E-9AB1-F76DB7BF3AE7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of XXX; disbursement date per file XXX. Note date was XXX, which is what the ROR was based off; however the actual transaction date based on the mortgages signature/notarization date was XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A687F70-D3CB-4F27-841B-BD7C410E89D8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A687F70-D3CB-4F27-841B-BD7C410E89D8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
0A687F70-D3CB-4F27-841B-BD7C410E89D8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated $XXX due to payment stream. Lender's payment stream is 119 months at $XXX plus 1 balloon payment of $XXX versus calculated payment stream of $XXX for 119 months plus 1 balloon payment of $XXX for a variance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A687F70-D3CB-4F27-841B-BD7C410E89D8 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C29BC794-FA03-4698-BEAC-6E3DE42A706F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C29BC794-FA03-4698-BEAC-6E3DE42A706F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C29BC794-FA03-4698-BEAC-6E3DE42A706F XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
82EB0BC6-1D37-4684-A184-C396DE2A17F1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
82EB0BC6-1D37-4684-A184-C396DE2A17F1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
82EB0BC6-1D37-4684-A184-C396DE2A17F1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
41408449-6F0A-4AE7-BD80-8F50F79ABBDF XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
41408449-6F0A-4AE7-BD80-8F50F79ABBDF XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
41408449-6F0A-4AE7-BD80-8F50F79ABBDF XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
41408449-6F0A-4AE7-BD80-8F50F79ABBDF XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
41408449-6F0A-4AE7-BD80-8F50F79ABBDF XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A8B8027-1C36-417F-8EB0-F7A174D5D977 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A8B8027-1C36-417F-8EB0-F7A174D5D977 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
6A8B8027-1C36-417F-8EB0-F7A174D5D977 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No PPP Prohibited by State. PPP for Specific Dollar Amount. Expired XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A8B8027-1C36-417F-8EB0-F7A174D5D977 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F74FFF1A-9B57-4A80-8BAD-38FC348A19BD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F74FFF1A-9B57-4A80-8BAD-38FC348A19BD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
F74FFF1A-9B57-4A80-8BAD-38FC348A19BD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file Yes No Cert of Compliance or Cert of Exemption in file. (No Data) (No Data) (No Data) Not Applicable Complete
F74FFF1A-9B57-4A80-8BAD-38FC348A19BD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
F74FFF1A-9B57-4A80-8BAD-38FC348A19BD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93775E09-2AF2-4CB2-9D1A-E12C5D10A284 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93775E09-2AF2-4CB2-9D1A-E12C5D10A284 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
93775E09-2AF2-4CB2-9D1A-E12C5D10A284 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
93775E09-2AF2-4CB2-9D1A-E12C5D10A284 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32A3A07B-11B1-4D35-9EC5-E96B2C9F3ECD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32A3A07B-11B1-4D35-9EC5-E96B2C9F3ECD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
32A3A07B-11B1-4D35-9EC5-E96B2C9F3ECD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
32A3A07B-11B1-4D35-9EC5-E96B2C9F3ECD XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2B50C506-9289-44F0-B78A-781A321AA947 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2B50C506-9289-44F0-B78A-781A321AA947 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2B50C506-9289-44F0-B78A-781A321AA947 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes No evidence an Alternative Loan without PPP was offered. (No Data) (No Data) (No Data) Not Applicable Complete
2B50C506-9289-44F0-B78A-781A321AA947 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No No statement of waiver for the early termination fee if paid by insurance proceeds. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
2B50C506-9289-44F0-B78A-781A321AA947 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
61C9EE46-543D-4CEC-B3F0-9331549CB3A7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
61C9EE46-543D-4CEC-B3F0-9331549CB3A7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
61C9EE46-543D-4CEC-B3F0-9331549CB3A7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. Lender's payment stream is $XXX for 59 months plus one final payment of $XXX. XXX calculated payment stream is $XXX for 59 months plus one final payment of $XXX for a variance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
61C9EE46-543D-4CEC-B3F0-9331549CB3A7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8F63D40B-2542-4651-8A3E-832BFBB069DA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8F63D40B-2542-4651-8A3E-832BFBB069DA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
8F63D40B-2542-4651-8A3E-832BFBB069DA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 180 HMDA Benchmark Date XXXTest APR 4.503 HMDA Benchmark Rate 2.920 HMDA Benchmark/APR Variance 1.583 HMDA Rate Spread Trigger 1.5000% (No Data) (No Data) (No Data) Not Applicable Complete
8F63D40B-2542-4651-8A3E-832BFBB069DA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Higher-Priced Active C B C B CMPFDHP1777 Federal higher-priced mortgage loan - PPP prohibited as not otherwise legal No Federal higher-priced mortgage loan - PPP prohibited as not otherwise legal. PPP Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8F63D40B-2542-4651-8A3E-832BFBB069DA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Higher-Priced Active C B C B CMPFDHP2061 Federal higher-priced mortgage loan; no evidence escrow account was established at closing. No Federal higher-priced mortgage loan; no evidence escrow account was established at closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8F63D40B-2542-4651-8A3E-832BFBB069DA XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds. PPP in file is Hard. PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
B20C1B10-5910-46C5-81FE-650905F43174 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to ATR/QM mortgage rule; Lender did not document borrowers credit report. (No Data) (No Data) (No Data) Not Applicable Complete
B20C1B10-5910-46C5-81FE-650905F43174 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B20C1B10-5910-46C5-81FE-650905F43174 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Higher-Priced Active C B C B CMPFDHP2061 Federal higher-priced mortgage loan; no evidence escrow account was established at closing. No Loan not escrowed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B20C1B10-5910-46C5-81FE-650905F43174 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active B B B B CMPRESPA868 Settlement charge estimate not available for 10 business days No GFE Date Delivered: XXX, Date settlement Charges available through: XXX, Settlement charge estimate not available for 10 business days (No Data) (No Data) (No Data) Not Applicable Complete
B20C1B10-5910-46C5-81FE-650905F43174 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing final HUD , Date of XXX reflected on HUD provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B20C1B10-5910-46C5-81FE-650905F43174 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B20C1B10-5910-46C5-81FE-650905F43174 XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late Charge states, If a payment is more than 10 days late, Borrower will pay a late charge equal to the greater of 5% of the unpaid portion of the payment due or $XXX (No Data) (No Data) (No Data) Not Applicable Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Lenders status determination is not in file. (No Data) (No Data) (No Data) (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance Federal Higher-Priced Active N/A B N/A B CMPFDHP2952 Federal Higher-priced mortgage loan - Appraisal disclosure not in file No Missing appraisal disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance RESPA Active B B B B CMPRESPA3468 RESPA-No evidence that Your Home Loan Toolkit was delivered to the borrower No No evidence borrower was provided Home Loan Toolkit. (No Data) (No Data) (No Data) (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No Test APR 5.730 HMDA Benchmark Rate 4.020 HMDA Benchmark/APR Variance 1.710 HMDA Rate Spread Trigger 1.500 (No Data) (No Data) (No Data) (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers. (No Data) (No Data) (No Data) (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3590 TRID - At least one LE was delivered on or after the date that a CD was delivered No CD issued XXX, same as LE XXX, one day is required between LE and CD. Redisclosure PCCD with use of 130(b) 60 from finding error. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD: XXX Other Costs Section E: Recording Fee does not indicate whether fees are from Mortgage or Deed. (No Data) (No Data) Non-Numeric (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3845 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No CD issued XXX, Calculating Cash to Close, Cash to Close - Loan Estimate, 21927.00 incorrect value should be 26013. Redisclosure PCCD with use of 130(b) 60 from finding error (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric (No Data) Complete
2CD874CF-7D19-4433-8EC5-04F009B96223 XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4177 TRID - LE: The Estimated Cash to Close of the Purchase version of the Calculating Cash to Close section on the Loan Estimate does not match its component parts No LE issued XXX, Calculating Cash To Close, Estimated Cash to Close, -5191 value incorrect should be -1105.00. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric (No Data) Complete
469F4945-38C5-4146-9C74-17C949E90452 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
E4A13D31-9405-4949-A227-84F99595D70B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing page 6 of Note. (No Data) (No Data) (No Data) Not Applicable Complete
E4A13D31-9405-4949-A227-84F99595D70B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure dated XXX was given over 3 days from Application dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
E4A13D31-9405-4949-A227-84F99595D70B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No List of homeowners counseling organizations dated XXX was given over 3 days from Application dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
E4A13D31-9405-4949-A227-84F99595D70B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E4A13D31-9405-4949-A227-84F99595D70B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D D D D CMPTILA3194 TILA - HELOC Final Note Disclosure (FND) Missing or Incomplete Yes Missing page 6 of FND. (No Data) (No Data) (No Data) Not Applicable Complete
FB996320-9749-46D4-AD1A-C5F9CDAC633B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2514 Mortgage/Deed of Trust has not been recorded and/or sent for recording No Missing Evidence that Mortgage has been or was sent for recording. (No Data) (No Data) (No Data) Not Applicable Complete
FB996320-9749-46D4-AD1A-C5F9CDAC633B XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowners Counseling Organization Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
34C8318D-5D4A-43A8-B2FD-A6DA29E431FD XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Exempt D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34C8318D-5D4A-43A8-B2FD-A6DA29E431FD XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Exempt D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
34C8318D-5D4A-43A8-B2FD-A6DA29E431FD XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Exempt D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
34C8318D-5D4A-43A8-B2FD-A6DA29E431FD XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Exempt D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
34C8318D-5D4A-43A8-B2FD-A6DA29E431FD XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Exempt D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
34C8318D-5D4A-43A8-B2FD-A6DA29E431FD XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Exempt D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34C8318D-5D4A-43A8-B2FD-A6DA29E431FD XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Exempt D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2BABE753-E65E-4A43-84DE-B5346B5B8B71 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2BABE753-E65E-4A43-84DE-B5346B5B8B71 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
96C073B9-DFC5-43C0-BA32-D907B0484E6A XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
E2B126E8-227E-44A6-8391-F0770AE85F6F XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
32A923EF-DBF8-4677-A8BE-E8074C9D6858 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
32A923EF-DBF8-4677-A8BE-E8074C9D6858 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.563% with HMDA Benchmark Rate of 4.480% causing variance of 3.083% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
9B2317B9-1AAA-4F5C-AEDF-712BB242DE58 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9B2317B9-1AAA-4F5C-AEDF-712BB242DE58 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9B2317B9-1AAA-4F5C-AEDF-712BB242DE58 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9B2317B9-1AAA-4F5C-AEDF-712BB242DE58 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9B2317B9-1AAA-4F5C-AEDF-712BB242DE58 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9B2317B9-1AAA-4F5C-AEDF-712BB242DE58 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD1. (No Data) (No Data) (No Data) Not Applicable Complete
9B2317B9-1AAA-4F5C-AEDF-712BB242DE58 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
208C55C1-734F-40C1-BFB5-6A5AFACE75EE XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
208C55C1-734F-40C1-BFB5-6A5AFACE75EE XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX Summaries of Transactions Section: Sale Price of Property minus Loan Amount is: XXX and Calculating Cash to Close Section: Down Payment/Funds from XXX - Final, Value: XXX. Correct calculation should be XXX. Loan is conventional. (No Data) (No Data) Numeric Not Applicable Complete
208C55C1-734F-40C1-BFB5-6A5AFACE75EE XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX, Summaries of Transactions section, Adjustments and Other Credits Calculation is (XXX) does not match Calculating Cash to Close section, Adjustments and Other Credits - Final, Value: -XXX. (No Data) (No Data) Numeric Not Applicable Complete
208C55C1-734F-40C1-BFB5-6A5AFACE75EE XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3562 TRID - The revised Loan Estimate was not delivered within 3 business days of sufficient knowledge to issue a Loan Estimate No LE: XXX was not disclosed within XXX day period from COC date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.041% with HMDA Benchmark Rate of 5.260% causing variance of 5.781% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No TILA not in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD XXX - HUD-1 provided. XXX- Exception satisfied. (No Data) Not Applicable Complete
AE70C2E9-D164-40D2-92CE-5157B0303028 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B828AD6-8787-45F1-9321-23B331EDB535 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert (No Data) (No Data) (No Data) Not Applicable Complete
1B828AD6-8787-45F1-9321-23B331EDB535 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender's initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
1B828AD6-8787-45F1-9321-23B331EDB535 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
A185CC03-DA83-4258-92CA-A61264D86005 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A                               Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0AAC2456-29DB-4F24-92A4-8A3F182B2B33 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1. XXX - HUD1 provided XXX - Exception satisfied (No Data) Not Applicable Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA certificate. (No Data) (No Data) (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Top of note is cut off. (No Data) XXXX- Unsigned note provided. (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Top of mortgage is cut off. (No Data) (No Data) (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
0D7FF514-D3DF-47B8-B861-CE4372D9D8C4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1. XXXX HUD-1 provided XXXX Exception satisfied. (No Data) Not Applicable Complete
6956594F-874B-4969-8959-A00B6145B1E7 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes XXX Mortgage Insurance Certificate is missing from the file (No Data) (No Data) (No Data) Not Applicable Complete
6956594F-874B-4969-8959-A00B6145B1E7 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing from file (No Data) (No Data) (No Data) Not Applicable Complete
6956594F-874B-4969-8959-A00B6145B1E7 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No Final CD XXX, Summaries of Transactions, Section: Sale Price of Property minus Loan Amount totals $XXX, this does not match Calculating Cash to Close, Section Down Payment/Funds from Borrower - where the final total states $XXX (No Data) (No Data) Numeric Not Applicable Complete
6956594F-874B-4969-8959-A00B6145B1E7 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1) CD: XXX, Other Costs, Section: F number of months missing for property taxes 2) CD: XXX, Other Costs, Section: F number of months missing for property taxes and Summaries of Transactions, Section: Adjustments for items paid by seller in Advance, City/Town Taxes are missing the date to date format. (No Data) (No Data) Hybrid Not Applicable Complete
6956594F-874B-4969-8959-A00B6145B1E7 XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No E-sign consent missing from the file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9A35A9CE-F287-475F-B932-1469BA3C5A87 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9A35A9CE-F287-475F-B932-1469BA3C5A87 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
9A35A9CE-F287-475F-B932-1469BA3C5A87 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of XXX is prior to end of earliest rescission date allowable of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9A35A9CE-F287-475F-B932-1469BA3C5A87 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
9A35A9CE-F287-475F-B932-1469BA3C5A87 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.991% with HMDA Benchmark Rate of 4.220% causing variance of 3.771% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Rate Spread Active B B B B CMPSRS301 CT Non-Prime, loan exceeds rate spread threshold No Test APR 7.991 Conventional Mortgage Rate 5.530 APR/ Conv. Mortg. Rate Variance 2.461 Conv. Mort. Rate Spread Trigger 1.750 (No Data) (No Data) (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Rate Spread Active C C C C CMPSRS1218 CT Non-Prime - Required Escrow for T & I Not Arranged Yes CT Non-Prime with no established escrow account. (No Data) (No Data) (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Rate Spread Active C C C C CMPSRS1224 CT Non-Prime - Unenforceable Prepayment Penalty Yes Unenforceable Prepayment Penalty-PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Rate Spread Active D D D D CMPSRS1206 CT Non-Prime, First Mortgage Disclosure Missing Yes CT Non-Prime, missing First Mortgage Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2953890A-98E6-499A-A6F7-5D1672453600 XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Rate Spread Active D D D D CMPSRS1220 CT Non-Prime - Notice of HUD Counsel 800# Not Provided Yes Missing HUD Counseling 800# disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CC4CDB56-63C8-4BE5-B5E6-92482BE85DF7 XXXXXX XXXXXX XXXXXX XXXXXX MO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Missing Lender's ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
CC4CDB56-63C8-4BE5-B5E6-92482BE85DF7 XXXXXX XXXXXX XXXXXX XXXXXX MO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors. DU approved, but source of XXX funds not acceptable, donor is XXX and the real estate agent in transaction. Missing lenders ATR/QM guidelines for XXX funds and DTI greater then XX. (No Data) Applicable Statute of Limitation has expired. Final grade X, non-material. (No Data) Not Applicable Complete
CC4CDB56-63C8-4BE5-B5E6-92482BE85DF7 XXXXXX XXXXXX XXXXXX XXXXXX MO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP3204 NMLS License verification found no results for Loan Originator No Lender NMLS ID not found (No Data) Applicable Statute of Limitation has expired. Final grade X, non-material. (No Data) Not Applicable Complete
058A230D-54BA-4BD4-A4F0-B032066EC8D7 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active B B B B CMPMAN4641 TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business No Missing Use of Funds Letter (No Data) (No Data) (No Data) Not Applicable Complete
553B7F3F-E169-474E-B6ED-B703AB5F3076 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
D10E493B-9CC2-48D9-8AB7-67A58671A2E5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A D A D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes No required origination documents for subject transaction provide. (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
3E95F83C-A9BE-401A-AEBE-5D25A9226FF1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application Date: XXX and TIL Date: XXX therefore TIL discl. not made within 3 days of application (No Data) (No Data) (No Data) Not Applicable Complete
3E95F83C-A9BE-401A-AEBE-5D25A9226FF1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
3E95F83C-A9BE-401A-AEBE-5D25A9226FF1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
3E95F83C-A9BE-401A-AEBE-5D25A9226FF1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No The finance charges are understated by $XXX which is within the maximum allowed of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E95F83C-A9BE-401A-AEBE-5D25A9226FF1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application Date: XXX and GFE Date Delivered: XXX therefore GFE not given 3 days from application (No Data) (No Data) (No Data) Not Applicable Complete
3C1C83A2-CEB6-4F0D-B4BA-10A159CA2D54 XXXXXX XXXXXX XXXXXX XXXXXX (No Data) (No Data) (No Data) A D A D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes Incomplete file - unable to test (No Data) (No Data) (No Data) Not Applicable Missing File; Unavailable for Review
F01BF89F-6C65-4121-A99D-3660E74C16CB XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
213F63C0-3BDC-47AC-B91D-E0BB99F14FAE XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
C77737D3-0C42-49BE-9438-2C85BA053392 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
D7924374-F64E-4B85-A069-6F12A23136F3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D7924374-F64E-4B85-A069-6F12A23136F3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
D7924374-F64E-4B85-A069-6F12A23136F3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note(HELOC final disclosure). (No Data) (No Data) (No Data) Not Applicable Complete
D7924374-F64E-4B85-A069-6F12A23136F3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No Disclosure not dated. (No Data) (No Data) (No Data) Not Applicable Complete
D7924374-F64E-4B85-A069-6F12A23136F3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing complete first page. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D7924374-F64E-4B85-A069-6F12A23136F3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3194 TILA - HELOC Final Note Disclosure (FND) Missing or Incomplete No Missing HELOC Final Note Disclosure (FND). (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58D2847B-508B-47A9-A05F-DE9456F7F88B XXXXXX XXXXXX XXXXXX XXXXXX WA Non-QM: Lender documented all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review ATR/QM is Non-QM: Lender did not document all ATR UW factors. Loan is missing XXX years Tax Transcripts (No Data) (No Data) (No Data) Not Applicable Complete
58D2847B-508B-47A9-A05F-DE9456F7F88B XXXXXX XXXXXX XXXXXX XXXXXX WA Non-QM: Lender documented all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender's ATR/QM status determination XXX provided with representation: "Loan meets non-QM guidelines". (No Data) (No Data) Not Applicable Complete
58D2847B-508B-47A9-A05F-DE9456F7F88B XXXXXX XXXXXX XXXXXX XXXXXX WA Non-QM: Lender documented all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Final CD XXX Calculating Cash to Close, Loan Estimate column does not match the final LE XXX Calculating Cash to Close table (No Data) (No Data) Non-Numeric Not Applicable Complete
58D2847B-508B-47A9-A05F-DE9456F7F88B XXXXXX XXXXXX XXXXXX XXXXXX WA Non-QM: Lender documented all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Missing evidence of refund to borrower for $XXX for increase in appraisal fee. No change of circumstance in file to validate increase (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58D2847B-508B-47A9-A05F-DE9456F7F88B XXXXXX XXXXXX XXXXXX XXXXXX WA Non-QM: Lender documented all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Missing evidence of refund to borrower for increase in XXX% fees of $XXX. No change of circumstance in file to validate increase (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D78848F-997D-4E4A-B61C-A72C93358DD0 XXXXXX XXXXXX XXXXXX XXXXXX NH QM: Safe Harbor QM: GSE Temporary - QM/SH A A A A                               Complete
1E1CE474-4C59-4B32-A343-8AD55FD279DF XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.833% with HMDA Benchmark Rate of 5.190% causing variance of 4.643% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
1E1CE474-4C59-4B32-A343-8AD55FD279DF XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FFEFD343-1B50-4B69-83A2-4334302B87C3 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX with HMDA Benchmark Rate of XXX causing variance of XXX which exceeds HMDA Rate spread Trigger of XXX (No Data) (No Data) (No Data) Not Applicable Complete
FFEFD343-1B50-4B69-83A2-4334302B87C3 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
90608834-0859-4FE1-9554-61C5ECC251B5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Disclosure not provided within XXX days of Application date. Application date XXX. ARM Disclosure dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
79839440-D392-4954-8CDD-DD13FC267356 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
79839440-D392-4954-8CDD-DD13FC267356 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX Loan Guaranty Cert. (No Data) (No Data) (No Data) Not Applicable Complete
79839440-D392-4954-8CDD-DD13FC267356 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
79839440-D392-4954-8CDD-DD13FC267356 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
79839440-D392-4954-8CDD-DD13FC267356 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
79839440-D392-4954-8CDD-DD13FC267356 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR; due to lack of Occupancy and Purpose on the tape a conservative approach was taken. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
28119959-8814-4183-8284-AE0942B0A3C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C D C D Compliance Documentation Active N/A D N/A D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing mortgage insurance certificate (No Data) (No Data) (No Data) Not Applicable Complete
28119959-8814-4183-8284-AE0942B0A3C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C D C D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is XXX the benchmark APR is XXX resulting in a difference of XXX This exceeds the HMDA rate spread trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
28119959-8814-4183-8284-AE0942B0A3C1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C D C D Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated by XXX (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application in file. (No Data) Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Final Title Policy in file. (No Data) (No Data) (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL in file. (No Data) Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL in file. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL in file. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE in file. (No Data) (No Data) (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD-1 in file. XXX - final HUD1 provided. XXX - satisfied. (No Data) Not Applicable Complete
3E6651CE-3F5C-44B8-8494-48933CB63A31 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing copy of ROR in file. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
5B23937B-6849-4E44-A7FC-C27647D83854 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable A A A A                               Complete
308A69C2-1820-45E6-A5A6-0C039F1877A4 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.605 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 6.885 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
308A69C2-1820-45E6-A5A6-0C039F1877A4 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated XXX, application date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
308A69C2-1820-45E6-A5A6-0C039F1877A4 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL Disclosed Finance charges of XXX per XXX pay stream calculations, finance charges are XXX, resulting in understated finance charges of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
5A7A6BBE-296C-45B7-AB06-FFA18E1DEF29 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No Application date of XXX, TIL in file Dated XXX. Lender's Initial TIL not received within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
5A7A6BBE-296C-45B7-AB06-FFA18E1DEF29 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
FCA96B1E-0ABB-4B0C-AD12-883701B63C44 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Disclosure not dated. Unable to verify if provided within 3 days of Application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
FCA96B1E-0ABB-4B0C-AD12-883701B63C44 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active N/A C N/A C CMPDOC101 Unresolved title issue Yes Final title policy Sch B cites previous mortgage remaining. (No Data) (No Data) (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD-1. XXX- Client provided HUD1 XXX - Exception cleared. (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68F48177-AFD2-4A2A-BFBE-29868407963D XXXXXX XXXXXX XXXXXX XXXXXX NH (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active N/A B N/A B CMPROR2043 Cannot determine if funding date is after rescission period No XXX - New - Missing funding/disbursement date (No Data) (No Data) (No Data) Not Applicable Complete
7023E45C-79FD-476F-B159-F6564497105C XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
6A5D6B19-6C9E-4A49-8C4F-C7456388F119 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F0341540-1F4D-40C4-AC6F-E2AA235AB0EB XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure after XXX days from application (No Data) (No Data) (No Data) Not Applicable Complete
E2212946-D576-4841-BF78-6C11CA3B2F90 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Arm Disclosure dated XXX per disclosure in file. (No Data) (No Data) (No Data) Not Applicable Complete
E2212946-D576-4841-BF78-6C11CA3B2F90 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Finance charges per Final TIL $XXX, finance charges calculated by payment stream $XXX (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
E2212946-D576-4841-BF78-6C11CA3B2F90 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No PPP prohibited if paid by insurance proceeds; provision not disclosed. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
962004AE-56E9-4C99-B05F-8F3C7AE414B9 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is XXX%, the benchmark APR is XXX % resulting in a difference of XXX%. This exceeds the HMDA rate spread trigger of XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
C106CF23-B4A2-42D1-B1D5-BEFBA173D553 XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1; Missing funding date. (No Data) (No Data) (No Data) Not Applicable Complete
20F2DA72-3353-49EB-AB4C-E45937259EF9 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
20F2DA72-3353-49EB-AB4C-E45937259EF9 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
20F2DA72-3353-49EB-AB4C-E45937259EF9 XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
47A360E8-5991-4045-968F-7DD627D5001C XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
47A360E8-5991-4045-968F-7DD627D5001C XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
47A360E8-5991-4045-968F-7DD627D5001C XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
47A360E8-5991-4045-968F-7DD627D5001C XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP312 TILA - Final TIL Date after actual transaction date No Transaction date is XXX, final TIL is dated XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47A360E8-5991-4045-968F-7DD627D5001C XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
962835AA-A1DD-4D7C-9E0C-6B4DE209C639 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
962835AA-A1DD-4D7C-9E0C-6B4DE209C639 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
962835AA-A1DD-4D7C-9E0C-6B4DE209C639 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
962835AA-A1DD-4D7C-9E0C-6B4DE209C639 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
962835AA-A1DD-4D7C-9E0C-6B4DE209C639 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3C142E5E-3E00-42B1-8E6E-641E919CC096 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active B B B B CMPMAN4641 TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business No TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. (No Data) (No Data) (No Data) Not Applicable Complete
3C142E5E-3E00-42B1-8E6E-641E919CC096 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3C142E5E-3E00-42B1-8E6E-641E919CC096 XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B4A46871-7630-4E9F-8DDF-B933A223577E XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4A46871-7630-4E9F-8DDF-B933A223577E XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.808% with HMDA Benchmark Rate of 5.110% causing variance of 4.698% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
B4A46871-7630-4E9F-8DDF-B933A223577E XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
31598233-F3F2-4842-B508-97B9AE8344D3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TIL not dated by lender or borrower. (No Data) (No Data) (No Data) Not Applicable Complete
31598233-F3F2-4842-B508-97B9AE8344D3 XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
C98DACE2-043B-4200-A57E-5A5FE4AC722D XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes HUD-1 Incomplete. Missing page 1. Fees captured from HUD page 2. XXX - [GS: XXX] Loan is not subject to federal or state high cost laws. XXX - Reported as: Not Subject to Predatory Testing (No Data) Not Applicable Complete
C98DACE2-043B-4200-A57E-5A5FE4AC722D XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No TIL Disclosed APR is XXX%. XXX Paystream APR is XXX% resulting in a difference of XXX% which exceeds the threshold of XXX% (No Data) (No Data) (No Data) Not Applicable Complete
C98DACE2-043B-4200-A57E-5A5FE4AC722D XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
C98DACE2-043B-4200-A57E-5A5FE4AC722D XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
C98DACE2-043B-4200-A57E-5A5FE4AC722D XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Total of Payments $XXX. Lender Paystream Payments $ XXX for a difference of $XX . (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
D88C2E81-608D-4C02-A6DB-59B4452E312A XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT101 APR - Irregular pmt loan; underdisclosed APR > 0.250% No APR test results are not reliable due to unique loan terms which include: bi-weekly payments and pick-a-pmt/pay option/neg-am terms. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
D88C2E81-608D-4C02-A6DB-59B4452E312A XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
D88C2E81-608D-4C02-A6DB-59B4452E312A XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure is after XXX days from application. (No Data) (No Data) (No Data) Not Applicable Complete
D88C2E81-608D-4C02-A6DB-59B4452E312A XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Test results are not reliable due to unique loan terms which include: bi-weekly payments and pick-a-pmt/pay option/neg-am terms. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
D88C2E81-608D-4C02-A6DB-59B4452E312A XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No APR test results are not reliable due to unique loan terms which include: bi-weekly payments and pick-a-pmt/pay option/neg-am terms. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FE721377-8068-4AC8-B7A5-D6939EDB6F31 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test XXX- HMDA Benchmark Rate XXX = HMDA Benchmark/APR Variance XXX; which exceeds HMDA Rate Spread Trigger XXX. (No Data) (No Data) (No Data) Not Applicable Complete
FC07C536-2C35-4B2B-959C-4E2B0ADA5429 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
131B6807-670D-4FAF-81C2-6AA85E0D4BC9 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
0B3243FD-46EC-436B-BC77-E4E6E9363945 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. XXX - HUD1 provided. Incorrect HUD1, belongs to previous transaction on XXX. XXX- incorrect HUD1 provided, exception to remain at this time. (No Data) Not Applicable Complete
0B3243FD-46EC-436B-BC77-E4E6E9363945 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Missing Date on ARM Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0B3243FD-46EC-436B-BC77-E4E6E9363945 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0B3243FD-46EC-436B-BC77-E4E6E9363945 XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used XXX ROR form for a lender to lender refinance. Regulation XXX designates the XXX rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an XXX protects the lender and assignee to at least the same extent as an XXX, but XXX recognized that one could think that the mere existence of the XXX takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an XXX in a same-lender refinance; therefore, Clayton grades the use of an XXX form in a same-lender refinance as a level XXX condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
591B11AB-E4F9-401E-B5DB-09292017BE5A XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
8B41DCCD-9FF9-41FC-BDF7-805393E9C09C XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided QM: Safe Harbor C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing Lenders ATR QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
8B41DCCD-9FF9-41FC-BDF7-805393E9C09C XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided QM: Safe Harbor C C C C Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX Loan Guaranty Cert. (No Data) (No Data) (No Data) Not Applicable Complete
8B41DCCD-9FF9-41FC-BDF7-805393E9C09C XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided QM: Safe Harbor C C C C Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition. (No Data) (No Data) (No Data) Not Applicable Complete
A8FDBC48-170D-4DBC-A405-82F6A476B752 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI cert (No Data) (No Data) (No Data) Not Applicable Complete
A8FDBC48-170D-4DBC-A405-82F6A476B752 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers not provided with in XXX days, Application Date XXX, Written List of Providers date XXX (No Data) (No Data) (No Data) Not Applicable Complete
A8FDBC48-170D-4DBC-A405-82F6A476B752 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX Summaries of Transactions, Sale Price of Property minus Loan Amount is: $XXX and Calculating Cash to Close, Down Payment/Funds from Borrower $XXX, which includes the UPMIP of $XXX. Should only be $XXX. (No Data) (No Data) Numeric Not Applicable Complete
A8FDBC48-170D-4DBC-A405-82F6A476B752 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Need evidence of change of circumstances letter or a copy of a refund check in the amount of $ $XXX for Survey Fee for XXX% Tolerance Fee (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D8B087F5-763E-44CF-AB90-73EF4D367C2E XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR/QM status determination XXX - 1008 provided with representation: "Loan meets ATR/QM and XXX guidelines". XXX - satisfied (No Data) Not Applicable Complete
D8B087F5-763E-44CF-AB90-73EF4D367C2E XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D B Compliance Compliance Manual Satisfied D A D A CMPMAN2956 Missing disclosure No Missing AUS DU that is listed on 1008. XXX - DU AUS provided. XXX - satisfied. (No Data) Not Applicable Complete
D8B087F5-763E-44CF-AB90-73EF4D367C2E XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4240 TRID - CD: The CD Calculating Cash to Close LE column (Alternative Version) total does not equal its component parts No CD: XXX-1, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX Per XXX Calculation, Section: Calculating Cash to Close, Loan Estimate, equals XXX. (No Data) (No Data) Numeric Not Applicable Complete
2BDD12B1-7AB0-489D-AA02-B86CA59B0605 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2BDD12B1-7AB0-489D-AA02-B86CA59B0605 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC4027 Incomplete file - unable to test Yes Loan file is incomplete. Missing loan origination documents XXX-Client provide correspondence stating cannot provide Loan origination documents XXX- Received Correspondence stating client cannot provide Loan origination documents, exception remains. (No Data) Not Applicable Complete
2BDD12B1-7AB0-489D-AA02-B86CA59B0605 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial til (No Data) (No Data) (No Data) Not Applicable Complete
2BDD12B1-7AB0-489D-AA02-B86CA59B0605 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Til (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2BDD12B1-7AB0-489D-AA02-B86CA59B0605 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Til (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2BDD12B1-7AB0-489D-AA02-B86CA59B0605 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
2BDD12B1-7AB0-489D-AA02-B86CA59B0605 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Hud XXX-Client provide correspondence stating cannot provide Final XXX XXX- Received Correspondence stating client cannot provide Final XXX, Exception remains (No Data) Not Applicable Complete
EDEA437C-1ADC-4CDB-8A43-74FEA28012D4 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
2F749726-CCD9-4ACE-9310-D7803792AA88 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No XXX ARM Loan Program Disclosure after 3 days from XXX application. (No Data) (No Data) (No Data) Not Applicable Complete
2F749726-CCD9-4ACE-9310-D7803792AA88 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
65F692A1-D0A1-4A99-B899-1B02807ADCED XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.516 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 3.796 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
83440D2A-67B5-4ED5-836C-8D199C7335E4 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Cert (No Data) Loan is no longer insured per tape. Final grade B. (No Data) Not Applicable Complete
83440D2A-67B5-4ED5-836C-8D199C7335E4 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
83440D2A-67B5-4ED5-836C-8D199C7335E4 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3626 TRID - CD: Loan consummated before end of waiting period Yes Initial CD issue date is XXX, closing date is XXX, and the XXX day waiting period was not met. (No Data) (No Data) (No Data) Not Applicable Complete
79D38641-E178-455E-A79C-6B00ED41DE99 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
79D38641-E178-455E-A79C-6B00ED41DE99 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file. Final Hud indicates $XXX for lenders services and title insurance which is not included on final GFE. Corrected Hud not provided. (No Data) (No Data) (No Data) Not Applicable Complete
79D38641-E178-455E-A79C-6B00ED41DE99 XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active C C C C CMPRESPA2840 RESPA-Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file Yes Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file. Final Hud indicates $XXX for lenders services and title insurance which is not included on final GFE. No evidence of refund provided. (No Data) (No Data) (No Data) Not Applicable Complete
A2EC8EE4-560F-4AE7-AEDA-A733E44536E2 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A2EC8EE4-560F-4AE7-AEDA-A733E44536E2 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed by Borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A2EC8EE4-560F-4AE7-AEDA-A733E44536E2 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D9C64C86-934C-4C1C-BE30-129209B7D881 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D9C64C86-934C-4C1C-BE30-129209B7D881 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D9C64C86-934C-4C1C-BE30-129209B7D881 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D9C64C86-934C-4C1C-BE30-129209B7D881 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
D9C64C86-934C-4C1C-BE30-129209B7D881 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
D9C64C86-934C-4C1C-BE30-129209B7D881 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD1 (No Data) (No Data) (No Data) Not Applicable Complete
D9C64C86-934C-4C1C-BE30-129209B7D881 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
3C9F78C2-3170-43D5-85F1-720F136DF9C5 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
3C9F78C2-3170-43D5-85F1-720F136DF9C5 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. Unable to determine source of understatement, missing TIL Itemization. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
3C9F78C2-3170-43D5-85F1-720F136DF9C5 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
3C9F78C2-3170-43D5-85F1-720F136DF9C5 XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
696977BB-9B8A-439B-839D-FADFD3B17519 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
65331013-791A-4E72-A314-D62C3DE497D5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.401% with HDMA bench mark rate of 5% causing variance of 7.401% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
65331013-791A-4E72-A314-D62C3DE497D5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
65331013-791A-4E72-A314-D62C3DE497D5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated XXX is after 3 days from application date of XXX (No Data) (No Data) (No Data) Not Applicable Complete
65331013-791A-4E72-A314-D62C3DE497D5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
65331013-791A-4E72-A314-D62C3DE497D5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Prepayment penalty of 5.65% exceeds state allowed maximum of 2%. PPP is expired. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
36386334-7119-4AD7-9D8A-3DF9576109FA XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
36386334-7119-4AD7-9D8A-3DF9576109FA XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
36386334-7119-4AD7-9D8A-3DF9576109FA XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
36386334-7119-4AD7-9D8A-3DF9576109FA XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title (No Data) (No Data) (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL Applicable Statute of Limitation has expired. Final grade B, non-material. XXX - Exception satisfied. (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing HUD1 XXX- HUD-1 provided. XXX - Exception satisfied. (No Data) Not Applicable Complete
5BAB50C2-2787-4342-A3E1-3B9B7AC7F1F1 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Satisfied D A D A CMPROR113 ROR - Missing Right of Rescission form No Missing ROR Applicable Statute of Limitation has expired. Final grade B, non-material. XXX - Exception satisfied. (No Data) Not Applicable Complete
EFD3355C-26E3-4CAA-8F03-1B79DCC29BC3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
9D0B1675-BA1D-4EE6-9DB8-20239F3B969A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D0B1675-BA1D-4EE6-9DB8-20239F3B969A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
82E55F98-AD1F-44FF-95F3-E9F8F09DE34B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
82E55F98-AD1F-44FF-95F3-E9F8F09DE34B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
82E55F98-AD1F-44FF-95F3-E9F8F09DE34B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
26173810-0DEC-4DE2-8695-308550397ED5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
26173810-0DEC-4DE2-8695-308550397ED5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
26173810-0DEC-4DE2-8695-308550397ED5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) (No Data) Complete
CE078789-0BB3-4275-BD48-5FD9E3D34B78 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No The ARM disclosure in the file in not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DE5480BF-E444-411D-AE49-D72EF2D2B00D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD, HUD in the file is marked as an estimate. XXX-Client provide correspondence stating cannot provide Final XXX XXX- Received Correspondence stating client cannot provide Final XXX, Exception remains (No Data) Not Applicable Complete
DE5480BF-E444-411D-AE49-D72EF2D2B00D XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No The legal documents reflect no middle name or middle initial for the loan officer, the NMLS registry reflects a full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
1DD1D137-CC24-44AA-8FBD-8A6E9123856B XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
32FFCAB8-205E-4A35-9580-4E8204421444 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32FFCAB8-205E-4A35-9580-4E8204421444 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
32FFCAB8-205E-4A35-9580-4E8204421444 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing ARM Note. (No Data) (No Data) (No Data) Not Applicable Complete
32FFCAB8-205E-4A35-9580-4E8204421444 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No TILA - TIL 1st payment date does not match Note 1st payment date. Missing ARM Note. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7156BCF0-C1EA-4C1B-88BB-7180AA624CC3 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Loan documents state loan officer as XXX, NMLS shows XXX. (No Data) (No Data) (No Data) Not Applicable Complete
CB26AF35-2731-40A9-A250-32545E317612 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CB26AF35-2731-40A9-A250-32545E317612 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CB26AF35-2731-40A9-A250-32545E317612 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CB26AF35-2731-40A9-A250-32545E317612 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CB26AF35-2731-40A9-A250-32545E317612 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No Expiration date on form is XXX, Earliest expiration date date is XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CB26AF35-2731-40A9-A250-32545E317612 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date and end of rescission are both on XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A4655F9-0EE7-42D1-9D75-741091AA89D6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
2A4655F9-0EE7-42D1-9D75-741091AA89D6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
2A4655F9-0EE7-42D1-9D75-741091AA89D6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure not dated (No Data) (No Data) (No Data) Not Applicable Complete
2A4655F9-0EE7-42D1-9D75-741091AA89D6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Regular Payment per TIL not equal to Note Original P&I Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
2A4655F9-0EE7-42D1-9D75-741091AA89D6 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active N/A B N/A B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
DA411A12-197A-43F1-ACC5-D52C6DC5973A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC199 Discrepancy between Note and ARM Rider Yes Missing ARM rider. (No Data) (No Data) (No Data) Not Applicable Complete
DA411A12-197A-43F1-ACC5-D52C6DC5973A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
DA411A12-197A-43F1-ACC5-D52C6DC5973A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing ARM rider. (No Data) (No Data) (No Data) Not Applicable Complete
DA411A12-197A-43F1-ACC5-D52C6DC5973A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
DA411A12-197A-43F1-ACC5-D52C6DC5973A XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
1E56388C-D9BD-4824-B30B-4B58630534C1 XXXXXX XXXXXX XXXXXX XXXXXX DC QM: Safe Harbor QM: GSE Temporary - QM/SH A A A A                               Complete
80F9AFE3-53D8-4A4A-98C7-7128B74EC830 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
80F9AFE3-53D8-4A4A-98C7-7128B74EC830 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
80F9AFE3-53D8-4A4A-98C7-7128B74EC830 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing note (No Data) (No Data) (No Data) Not Applicable Complete
80F9AFE3-53D8-4A4A-98C7-7128B74EC830 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed. (No Data) (No Data) (No Data) Not Applicable Complete
80F9AFE3-53D8-4A4A-98C7-7128B74EC830 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
80F9AFE3-53D8-4A4A-98C7-7128B74EC830 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing. (No Data) (No Data) (No Data) Not Applicable Complete
272C3435-5B68-4852-985A-B72437827926 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
418518FC-4A55-413C-A4E7-F2E3D66B049D XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable A A A A                               Complete
FDEADBF9-408F-4B04-9DD1-888C684F30CD XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
90EA615F-7050-41E5-A5EA-9997851445E3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
90EA615F-7050-41E5-A5EA-9997851445E3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
5BA5539E-CB20-43EA-A501-4DAF4AA867C3 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
FC79815C-8C28-4148-8BEF-4D172063B7A2 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
91385866-E6DB-4768-9EB1-D468D9CB4FD3 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
7B22D989-8233-4697-A7AF-489A85D5AC86 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
7DD804F6-C733-4B86-AD04-613A9E632DEA XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
2912E12C-95D8-4B95-B842-28D69A9F8FB7 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2912E12C-95D8-4B95-B842-28D69A9F8FB7 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
2912E12C-95D8-4B95-B842-28D69A9F8FB7 XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Allowable ROR Expiration date of XXX; disbursement date per file XXX. Loan funds were disbursed prior to mandatory rescission period expiration date. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
F855A38B-457C-4E80-8A0A-08E58C93DE89 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
FF2A72BC-EA1D-4583-81B0-A4B9205EA689 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
FF2A72BC-EA1D-4583-81B0-A4B9205EA689 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
FF2A72BC-EA1D-4583-81B0-A4B9205EA689 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
FF2A72BC-EA1D-4583-81B0-A4B9205EA689 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
BF0D1535-C983-42AF-8B74-81D7428B8CB5 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX, ARM Loan Program Disclosure in file Dated XXX ARM Loan Program Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
CF6CB011-C906-454D-9FD1-60EEC5E630AD XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0BEA365E-9C2B-48A4-8206-1402F6EAE612 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. Attorney closing fee is $XXX. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
190E6CDE-D188-452A-B0D5-5FD73346C1C0 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrowers, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
93818DDB-FED3-4026-A6F6-14B921BC41A3 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of XXX, TIL in file Dated XXX. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
93818DDB-FED3-4026-A6F6-14B921BC41A3 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of XXX, GFE in file Dated XXX. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
93818DDB-FED3-4026-A6F6-14B921BC41A3 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR is missing; disbursement date per file XXX Earliest rescission date allowable is XXX Loan funds were disbursed prior to mandatory rescission period expiration date. Applicable Statute of Limitation has expired. Final grade XX, non-material. (No Data) (No Data) Not Applicable Complete
93818DDB-FED3-4026-A6F6-14B921BC41A3 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) (No Data) Not Applicable Complete
74EF48F5-6600-4819-911C-B34280E86796 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable A A A A                               Complete
2F78FC63-2D88-44AB-B050-D8B1593D69CF XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable A A A A                               Complete
09A17D79-011F-44DF-8AF9-E286EA0824BE XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
EBB0C406-8C4A-4218-AB07-E69A2D30E1C8 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR oFXXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
DD6B537B-2009-4D96-B372-2D276F6A8847 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
80977708-0CE6-4237-B95B-EC706C941EB7 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
11EF4F30-7410-47EC-99FF-C465277F337C XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
F096B619-514E-41EE-8E9C-426A5AB4E465 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL Disclosed finance charge of $XXX, per XXX pay stream calculations, finance charge are $XXX, resulting in understated finance charges of $XXX. Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) (No Data) Not Applicable Complete
034DB0CB-7043-4254-801A-730C2C3F7D40 XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
42E26EDB-8E4D-4055-A4FE-E8E46B2E5D3D XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
77D2A136-DFAC-49D6-9463-227A52446695 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
48A2968C-DADD-4DCE-858D-23A544A8792B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Initial TIL dated XXX not made within 3 days of application of XXX (No Data) (No Data) (No Data) Not Applicable Complete
48A2968C-DADD-4DCE-858D-23A544A8792B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
48A2968C-DADD-4DCE-858D-23A544A8792B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM disclosure not dated by borrower, cannot determine if ARM Program Disclosure was provided in a timely manner. (No Data) (No Data) (No Data) Not Applicable Complete
48A2968C-DADD-4DCE-858D-23A544A8792B XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated XXX not made within 3 days of application of XXX (No Data) (No Data) (No Data) Not Applicable Complete
441ED51B-F819-45DC-B97C-BEFA512C0232 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A D A D Compliance Compliance Manual Active N/A D N/A D CMPMAN2478 Missing Legal Documentation Yes Loan has Matured dated XXX. No evidence in file that Maturity Date has been extended. (No Data) (No Data) (No Data) Not Applicable Complete
CD53BD1A-EC9D-4668-876A-E94A35F5B103 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Missing lender's itemization of amount financed, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6002CA9A-C68B-4047-8B19-414062D069D2 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
55CB45E8-D1E4-4DF3-9897-04189C5952DA XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided QM: Safe Harbor D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Review status is QM: XXX under Appendix Q; Lender status is QM Status: Qualified Mortgage, ATR Rule is General QM. Status does not reflect as XXX (No Data) (No Data) (No Data) Not Applicable Complete
55CB45E8-D1E4-4DF3-9897-04189C5952DA XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided QM: Safe Harbor D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL dated within XXX days of application date of XXX. Earliest TIL in file is dated XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55CB45E8-D1E4-4DF3-9897-04189C5952DA XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided QM: Safe Harbor D C D C Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing initial GFE dated within XXX days of application date of XXX. Earliest GFE in file is dated XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
273F5BBB-8A37-48CB-9699-12DE4250A222 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
6EC72EB4-9DD5-4D90-AB84-F9F11C23E690 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL in file not hand dated by Borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
6EC72EB4-9DD5-4D90-AB84-F9F11C23E690 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL Disclosed finance charge of XXX, per XXX pay stream calculations, finance charge are XXX resulting in understated finance charges of XXX Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) (No Data) Not Applicable Complete
6AFE620F-102C-4243-AD4B-1DC9B8216EB3 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No There are settlement charges in the amount of XXX on the Final HUD-1, none of which are disclosed on the Early HELOC disclosure nor the Final Note FND. A Note Addendum was not found in the file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6AFE620F-102C-4243-AD4B-1DC9B8216EB3 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No There are settlement charges in the amount of XXX on the Final HUD-1, none of which are disclosed on the Early HELOC disclosure nor the Final Note FND. A Note Addendum was not found in the file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F2575E03-77EE-44B1-9F76-DBC2B24EF427 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
F2575E03-77EE-44B1-9F76-DBC2B24EF427 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of XXX on HUD is before the corrected end date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
F2575E03-77EE-44B1-9F76-DBC2B24EF427 XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of XXX on HUD is before the corrected end date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3D9563EB-C01A-4927-843D-C2ABEA543773 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
99BACE6E-3A1C-4989-99DE-F96EF2120767 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Disclosure not provided within XXX days of application. (No Data) (No Data) (No Data) Not Applicable Complete
99BACE6E-3A1C-4989-99DE-F96EF2120767 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99BACE6E-3A1C-4989-99DE-F96EF2120767 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active N/A B N/A B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees in the amount of $XXX disclosed are greater than fees disclosed on the XXX in the amount of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99BACE6E-3A1C-4989-99DE-F96EF2120767 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active N/A B N/A B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No The following HUD fees were not disclosed on XXX: Origination of $XXX; Discount of $XXX Application Fee of $XXX; Processing Fee of $XXX; Administration Fee of $XXX; Settlement Closing Fee of $XXX; Abstract Title Search of $XXX; Title examination of $XXX; Title Insurance of $XXX; Endorsement of $XXX; Courier Fee of $XXX; Wire Fee of $XXX; Recording Fees of $XXX; City Tax Stamps of $XXX; State Tax Stamps of $XXX; Non-Identity XXX of $XXX; Continuous Marriage XXX of $XXX and Lien Letters of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F848AAB6-B1CF-4B9F-A5C8-61A612607AA4 XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance Compliance Manual Active D D D D CMPMAN2478 Missing Legal Documentation Yes Missing 92900-LT (No Data) (No Data) (No Data) Not Applicable Complete
F848AAB6-B1CF-4B9F-A5C8-61A612607AA4 XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Certificate (No Data) Loan is no longer insured per tape. Final grade B. (No Data) Not Applicable Complete
F848AAB6-B1CF-4B9F-A5C8-61A612607AA4 XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: XXX, Section: Summaries of Transactions, Message: Sale Price of Property minus Loan Amount is: XXX and Section: Calculating Cash to Close, Field: Down Payment/Funds from XXX - Final, Value: XXX, which includes the UPMIP of XXX. Should only be XXX (No Data) (No Data) Numeric Not Applicable Complete
F848AAB6-B1CF-4B9F-A5C8-61A612607AA4 XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1.CD: XXX and XXX Other Costs Prepaids Homeowners Insurance Premium number of months missing.1.CD: XXX Summaries of transaction Adjustments for Items paid by Seller in Advance, City, Count and School Taxes are missing the dates.2. CD XXX and XXX Summaries of Transaction, Adjustment for Items Unpaid by seller XXX is missing the dates.1.CD XXX-1 Projected Payments, Estimated Taxes, Insurance & Assessments, the Other box is checked off, but no fee name is provided. (No Data) (No Data) Hybrid Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing Til (No Data) (No Data) (No Data) Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial Til (No Data) (No Data) (No Data) Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Hud (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Til (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing Initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing XXX-1 XXX-Client provide correspondence stating cannot provide Final XXX 1 XXX- Received Correspondence stating client cannot provide Final XXX, Exception remains (No Data) Not Applicable Complete
AB48BB81-5DEB-435A-80F0-B49036B9957D XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file Yes Missing Cert of Compliance or Cert of Exemption in file XXX-Client provide correspondence stating cannot provide Cert of Compliance or Exemption XXX- Received Correspondence stating client cannot provide Cert of Compliance or Exemption, exception remains. (No Data) Not Applicable Complete
E94C979B-EB88-40E1-9BA6-95FDA3BA5E52 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3188 TILA - HELOC Fees Exceed Fee $100 Tolerance No Early disclosure fees $XXX versus final HELOC Note fees of $XXX for a variance of $XXX exceeding the $100 tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F8E8D1BF-D501-45E7-8809-102FDEE07023 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable A A A A                               Complete
9A390DC6-5A05-4B35-A40D-6D1F7462CDB7 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- HUD-1 is missing totals on pages XXX. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
9A390DC6-5A05-4B35-A40D-6D1F7462CDB7 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR XXX HMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXX HMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
9A390DC6-5A05-4B35-A40D-6D1F7462CDB7 XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required XXX Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing XXX (No Data) (No Data) (No Data) Not Applicable Complete
3F73BA08-630A-4979-8B37-6524E52B4732 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1. Unable to capture fees for testing. XXX- final HUD1 provided. XXX- satisfied. (No Data) Not Applicable Complete
6049929E-FEFC-4349-873A-AC5C814CF620 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) (No Data) Not Applicable Complete
6049929E-FEFC-4349-873A-AC5C814CF620 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) (No Data) Not Applicable Complete
6049929E-FEFC-4349-873A-AC5C814CF620 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade XXX non-material. (No Data) (No Data) Not Applicable Complete
6049929E-FEFC-4349-873A-AC5C814CF620 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
6049929E-FEFC-4349-873A-AC5C814CF620 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6049929E-FEFC-4349-873A-AC5C814CF620 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
6049929E-FEFC-4349-873A-AC5C814CF620 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) (No Data) Not Applicable Complete
C51AD4FD-00E1-4A9F-BBE0-E51BA3854F8E XXXXXX XXXXXX XXXXXX XXXXXX IN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM2902 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lenders status determination is not in file. No Missing Lender's ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
C51AD4FD-00E1-4A9F-BBE0-E51BA3854F8E XXXXXX XXXXXX XXXXXX XXXXXX IN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No 8/4/17 NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan subject to ATR/QM rule; Short funds to close. Assets in file of $XXX do not support funds required cash to close in the amount of $XXX. There is a Cashier's Check for closed CD payable to bwr's XXX for $XXX in file however missing bank statement to show deposit into XXX account. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99391805-95B0-46FA-8648-E9FAB74AEB9D XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
99391805-95B0-46FA-8648-E9FAB74AEB9D XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
99391805-95B0-46FA-8648-E9FAB74AEB9D XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide proof the initial CD issued XXX was received by the borrower XXX days before the consummation date XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99391805-95B0-46FA-8648-E9FAB74AEB9D XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active N/A C N/A C CMPTRID5045 TRID - CD: The Total Maximum Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Maximum Payment Clayton that calculates. Yes (No Data) (No Data) (No Data) Numeric (No Data) Complete
C59D1E24-199E-4D94-93C5-A27F218BCCC9 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No XXXXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing credit report at origination. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C59D1E24-199E-4D94-93C5-A27F218BCCC9 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes XXXXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing credit report at origination. (No Data) (No Data) (No Data) Not Applicable Complete
C59D1E24-199E-4D94-93C5-A27F218BCCC9 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance RESPA Active B B B B CMPRESPA2720 RESPA - List of homeowners counseling organizations; insufficient information to confirm timely delivery. No List of homeowners counseling organizations is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
CBFBF14A-2234-4F2D-AD16-0F826F226501 XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH D D D D Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Review ATR/QM Status: QM: Safe Harbor and Lender ATR/QM Status: ATR/QM: Exempt. Loan originated as a Home Advantage HFA No DP resulting in Exempt status, missing evidence that the respective Finance Authority acquired the loan. (No Data) (No Data) (No Data) Not Applicable Complete
CBFBF14A-2234-4F2D-AD16-0F826F226501 XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH D D D D Compliance RESPA Active B B B B CMPRESPA3468 RESPANo evidence that Your Home Loan Toolkit was delivered to the borrower No No evidence that Your Home Loan Toolkit was delivered to the borrower (No Data) (No Data) (No Data) Not Applicable Complete
CBFBF14A-2234-4F2D-AD16-0F826F226501 XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Active D D D D CMPTRID3466 TRID - GFE, TIL and HUD used on loan subject to the Integrated Disclosure rules Yes Application date is XXXXXX. GFE, TIL and HUD used on loan subject to the Integrated Disclosure rules. (No Data) (No Data) (No Data) Not Applicable Complete
B7C18656-5FF3-4A97-AE36-763B71B4D8BA XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test XXX of XXX% with XXX Benchmark Rate of XXX% causing variance of XXX% which exceeds XXX Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Loan subject to ATR/QM rule; UW error-we were not able to support the income we qualified the loan with. Borrower self-employed - UW used a XXXX average from transcripts to calculate income - Agree, missing XXXX person and business tax returns as required by DU to support income used to qualify (No Data) XXXX - Documents missing per DU, unable to calculate income used to qualify. Loan is Non-QM: Lender did not document all ATR UW factors (No Data) Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes NEW - Lender status is QM: XXXX; Review status is Non-QM: Lender did not document all ATR UW factors. Missing person and business tax returns as required by DU to calculate borrower income used to qualify (No Data) (No Data) (No Data) Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance Compliance Manual Active N/A D N/A D CMPMAN2956 Missing disclosure Yes Missing XXXX complete personal and business tax returns, missing all related income documents (No Data) (No Data) (No Data) (No Data) Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance RESPA Active B B B B CMPRESPA3468 RESPA-No evidence that Your Home Loan Toolkit was delivered to the borrower No Missing evidence that Your Home Loan Toolkit was delivered to the borrower (No Data) (No Data) (No Data) Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No The application was completed on XXXX and the service providers list was not issued until XXXX not within the XXXX grace period. (No Data) (No Data) (No Data) Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXXX and CD: XXXX Section: Other Costs, Section F, the number of months for the property taxes is not listed. 2. CD: XXXX and CD: XXXX Section: Calculating Cash to Close, the adjustments and other credits amount changed; however, the reason for the change is not listed. (No Data) (No Data) Non-Numeric Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3512 TRID - Loan Estimate: At least one section or disclosure that is required by the Regulation is not contained in the form No LE: XXXX, Section: Costs at Closing, the Adjustments and Other Credits amount changed; however, the reason for the change was not listed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Hybrid Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3552 TRID - Loan Estimate not timely No The application was completed on XXXX and the Loan Estimate was not issued until XXXX not within the XXXX of application date (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide proof the initial CD issued on XXXX was received XXXX before the consummation date of XXXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1AF420B0-0BBA-4B03-B3E5-9D002A06E9BA XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C D C D Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No XXXX XXXX Tolerance exception was disclosed and credited to borrower on CD dated XXXX in the amount of XXXX A XXXX tolerance has been discovered, missing evidence of refund to borrower of the XXXX increase in ten percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F659D728-9FD3-49E7-A09F-1B6BB3317F46 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Final title includes XXX mortgage that is paid and closed. (No Data) (No Data) (No Data) Not Applicable Complete
F659D728-9FD3-49E7-A09F-1B6BB3317F46 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
F659D728-9FD3-49E7-A09F-1B6BB3317F46 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of XXX; disbursement date per file XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
F659D728-9FD3-49E7-A09F-1B6BB3317F46 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No Expiration date of XXX on form is prior to end of rescission period of XXX. Borrower did not receive full mandatory rescission period. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F659D728-9FD3-49E7-A09F-1B6BB3317F46 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of XXX is before XXX end of statutory rescission period. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
243381B5-ABEC-4BF8-9E80-F7F016F924D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of XXX, ARM Loan Program Disclosure in file Dated XXX. ARM Loan Program Disclosure not received within X days of application. (No Data) (No Data) (No Data) Not Applicable Complete
243381B5-ABEC-4BF8-9E80-F7F016F924D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
243381B5-ABEC-4BF8-9E80-F7F016F924D1 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Offer for Alternative Loan without PPP. (No Data) (No Data) (No Data) Not Applicable Complete
61AC821B-CC30-4770-BC31-3574EC0D8C5A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
61AC821B-CC30-4770-BC31-3574EC0D8C5A XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
CC1EA07A-812D-411C-8E87-C8F1DDC41A09 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
CC1EA07A-812D-411C-8E87-C8F1DDC41A09 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade XXX, non-material. (No Data) Not Applicable Complete
39EFB301-A375-41EC-86CE-5027343D00DE XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX (No Data) (No Data) (No Data) Not Applicable Complete
9E87C039-ECA5-44CA-BEB0-12283A99E9F1 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
FBD036FD-01C0-44DC-ABCF-F9404D35781D XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to ATR/QM rule; Never had an Approve/Eligible DU on loan-had refer with caution. Significant issues: Rent verification had a late payment in June 2016, paid in early July 2016-reason is that loan was supposed to close in June but actually closed XXX. Short assets on the deal due to tax payment the borrower had to make - Agree (No Data) (No Data) (No Data) (No Data) Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a different status than the Lender's status determination. (No Data) (No Data) (No Data) (No Data) Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Loan subject to ATR/QM rule; Never had an Approve/Eligible DU on loan-had refer with caution. Significant issues: Rent verification had a late payment in June 2016, paid in early July 2016-reason is that loan was supposed to close in June but actually closed XXX. Short assets on the deal due to tax payment the borrower had to make - Agree (No Data) (No Data) (No Data) Not Applicable Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active B B B B CMPRESPA3468 RESPA-No evidence that Your Home Loan Toolkit was delivered to the borrower No Missing Toolkit Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No 1.CD:XXX, Section: Calculating Cash to Close, Field: Is the Calculating Cash to Close section properly formatted?, Value: No. Adjustments and Other Credits changed, however there is no explanation for the change.2.CD:XXX, Section: Projected Payments, Field: Is the Projected Payments properly formatted?, Value: No. Estimated Taxes, Insurance & Assessments, the Other box is checked off, but no fee name is provided. (No Data) (No Data) Non-Numeric Not Applicable Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence that CD issued XXX was received by borrower a minimum 3 days prior to consummation. CD was not e-signed or hand dated. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Need evidence of Change of Circumstances letter or a copy of a refund check in the amount of $128.28 for increase in Zero Tolerance fees . (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
048900C4-0871-4413-8E18-47BBD060A599 XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID3530 TRID - Loan Estimate: At least one section contains formatting that does not comply with the Regulation No LE:XXX Section: Projected Payments, Field: Is the Projected Payments properly formatted?, Value: No. Estimated Taxes, Insurance & Assessments, the Other box is checked off, but no fee name is provided. (No Data) (No Data) Non-Numeric Not Applicable Complete
29A9E771-BB68-4025-BB0E-78238B8FA73A XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
29A9E771-BB68-4025-BB0E-78238B8FA73A XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
29A9E771-BB68-4025-BB0E-78238B8FA73A XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing lender GFE. (No Data) (No Data) (No Data) Not Applicable Complete
30E1D1F8-0793-42DB-822F-BE839B3DC7EC XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
54630396-8348-419C-9267-4FD25F3465E7 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title; Borrowers Limited Title Commitment/affidavit provided. (No Data) (No Data) (No Data) Not Applicable Complete
54630396-8348-419C-9267-4FD25F3465E7 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B. (No Data) (No Data) (No Data) Not Applicable Complete
94471BB8-522C-4C38-9FFF-8593D635488B XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated XXX given after 3 days from application dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
94471BB8-522C-4C38-9FFF-8593D635488B XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
94471BB8-522C-4C38-9FFF-8593D635488B XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Prepayment penalty exceeds maximum allowed (1%). PPP Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E0D8133B-A9DA-4B89-A506-1FECFA5AC525 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
E0D8133B-A9DA-4B89-A506-1FECFA5AC525 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
69A350BB-C74C-4FA0-BD3B-6B298D318645 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
69A350BB-C74C-4FA0-BD3B-6B298D318645 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
463A9F75-5272-4CAF-80D2-8805FB3AC703 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
463A9F75-5272-4CAF-80D2-8805FB3AC703 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No $XXX sum of scheduled pmts not equal to $XXX Total of Payments per TIL- Construction to Perm. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
80F9B4CF-C746-484C-ABF5-171BE48CCAB1 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Initial TIL dated XXX; Application date is XXX. (No Data) (No Data) (No Data) Not Applicable Complete
80F9B4CF-C746-484C-ABF5-171BE48CCAB1 XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
2A6B54A9-F08A-41D7-B26E-BB14D8EF18F4 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
2A6B54A9-F08A-41D7-B26E-BB14D8EF18F4 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57EAD8A0-9E6B-41EB-A5B7-97184EC39AA6 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
57EAD8A0-9E6B-41EB-A5B7-97184EC39AA6 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No The finance charges are understated by $XXX which exceeds the maximum allowed of $XXX. Unable to determine the source of the understatement due to missing the TIL itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E10A17C-B672-4E97-8BA0-43AC528D44F7 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
6DE586AE-74AA-4E6E-A297-81644527ED73 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
20067B2B-747E-4A14-9C68-C7E9D993C197 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. The date is typed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
61EFBC64-C01F-4622-A6F8-3A123DE022E8 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
61EFBC64-C01F-4622-A6F8-3A123DE022E8 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM disclosure in file is not dated, Cannot determine if ARM Program Disclosure was provided in a timely manner (No Data) (No Data) (No Data) Not Applicable Complete
AA58A646-4C84-4743-99A0-3392BDFA2FC1 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
AA58A646-4C84-4743-99A0-3392BDFA2FC1 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E8E7EA51-6CDD-40BF-96FC-AB4AEABA2956 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
E8E7EA51-6CDD-40BF-96FC-AB4AEABA2956 XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Disclosure in file, no date on document (No Data) (No Data) (No Data) Not Applicable Complete
1EBEB35F-B0E8-4872-AA23-E0BBD0D637C7 XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Adjustable Rate Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
7778F509-6D21-4166-B3AA-ECB840504B3B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Lender Initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7778F509-6D21-4166-B3AA-ECB840504B3B XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CF15A7D2-2D01-4A7B-B7A5-356F12035BB2 XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed. PPP expired (No Data) (No Data) (No Data) Not Applicable Complete
2F5F3C29-75D3-4FCD-8715-496F41689087 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing the list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance RESPA Active B B B B CMPRESPA3468 RESPANo evidence that Your Home Loan Toolkit was delivered to the borrower No Missing evidence that Your Home Loan Toolkit was delivered to the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No 2. CDs: XXX, Section: Summaries of Transactions, Field: Is the Borrowers Transaction Summary section adjustments for items paid by Seller in Advance: County Taxes and HOA Dues, dates involved are missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3604 TRID - Error discovered on Closing Disclosure No Final CD XXX Projected Payments section not properly formatted according to ARM terms; Band 1 to reflect fixed period, Band 2 to reflect max payment based on max interest rate of 4.625, Band 3 to reflect max payment based on max interest rate 4.625 + max adjustment allowed of 2%, Band 4 to reflect max payment based on max rate for life of loan 7.625% (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID4027 TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I No CD: XXX, Section: Loan Terms, Field: Period Principal & Interest (at consummation), CD Value: XXX, eCLAS Value: XXX XXX Provided post close CD XXX correcting P&I XXX Received post close CD XXX correcting P&I; Exception satisfied Numeric Not Applicable Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3944 TRID - CD: The P&I at consummation per the CD Loan Terms section does not match the P&I per Year 1 in the CD Project Payments section No CDs: XXX Section: Loan Terms, Field: PI, Value: XXXCDs: XXX, Section: Projected Payments, Band: 1, Field Principal & Interest - Fixed Payment 1, Value: XXX XXX Provided post close CD correcting P&I payment XXX Received post close CD correcting P&I payment; Exception satisfied Numeric Not Applicable Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3999 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Final CD XXX Calculating Cash to Close, Loan Estimate column, Cash to Close $XXX does not match any LE Calculating Cash to Close, Estimated Cash to Close value XXX Provided post close CD correcting calculating cash to close table, loan estimate column XXX Received post close CD correcting calculating cash to close table, loan estimate column; Exception satisfied Non-Numeric Not Applicable Complete
7079E6E7-B2B1-4A8A-BFE7-1FC860ADE561 XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID4128 TRID - LE: The Period Principal and Interest (at consummation) as disclosed in the LE Loan Terms section does not match the Fixed Payment for Year 1 as disclosed in the LE Projected Payments section No LE: XXX, Section: Loan Terms, Field: Period Principal & Interest (at consummation), Value: XXX; Projected Payments, Field: Principal & Interest - Fixed Payment 1, Value: XXX XXX Provided post close CD XXX correcting P&I XXX Received post close CD XXX correcting P&I; Exception satisfied Numeric Not Applicable Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC3270 Prepayment Addendum in file is incomplete No Top of Prepayment Addendum cut off. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC3280 One or more Applications in file are incomplete No Top of each page of Application image cut off. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Top of each page of Note and Addendum's cut off. (No Data) (No Data) (No Data) Not Applicable Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Top of each page of Mortgage image cut off. (No Data) (No Data) (No Data) Not Applicable Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Satisfied D A D A CMPDOC1817 Final HUD-1 is incomplete or illegible No Top of both pages of HUD-1 image cut off. 4/04/17 HUD-1 provided. 4/05/17 Exception satisfied. (No Data) Not Applicable Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX%, HMDA benchmark rate XXX%, variance XXX% exceeds XXX% trigger (No Data) (No Data) (No Data) (No Data) Complete
44398E6B-8F31-4ADB-84DE-2471C21946F0 XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
9CB2E437-4A58-4AC0-9476-C80ABBCD8565 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
9CB2E437-4A58-4AC0-9476-C80ABBCD8565 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Top of Note is incomplete. (No Data) (No Data) (No Data) (No Data) Complete
9CB2E437-4A58-4AC0-9476-C80ABBCD8565 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Satisfied D A D A CMPDOC1817 Final HUD-1 is incomplete or illegible No Top of HUD is cut off. All fees present. XXX HUD-1 provided. XXX Exception satisfied. (No Data) Not Applicable Complete
9CB2E437-4A58-4AC0-9476-C80ABBCD8565 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.078% with HMDA Benchmark Rate of 4.520% causing variance of 7.558% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) (No Data) Complete
9CB2E437-4A58-4AC0-9476-C80ABBCD8565 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No TIL not hand dated by the borrower. (No Data) (No Data) (No Data) (No Data) Complete
9CB2E437-4A58-4AC0-9476-C80ABBCD8565 XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP306 TILA - Discl. content does not meet minimum requirements No Top of TIL is cut off, unable to verify APR, finance charge, amount financed, and total of payments. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D46E2DF5-D60C-45F3-994A-C40F4191205D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D46E2DF5-D60C-45F3-994A-C40F4191205D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
D46E2DF5-D60C-45F3-994A-C40F4191205D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A118BD92-3A8A-42A3-BBF9-C11909899BC7 XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds- PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
570DDC61-2EFA-4AA5-A157-F810CD17F1EF XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
D3285DD9-04B1-48D3-8CD6-EBC6568CE633 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is XXX% resulting in a difference of XXX%. This exceeds the HMDA rate spread trigger of XXX%. (No Data) (No Data) (No Data) Not Applicable Complete
D3285DD9-04B1-48D3-8CD6-EBC6568CE633 XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4D703FAF-4BB7-4C97-B3E7-E2BCBFA67A8C XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM4647 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination Yes Lender status is XXX, review status is XXX. XXX-Client provided ATR QM status determination of XXX. XXX-Received ATR QM Status of XXX, review status is XXX. New exception (No Data) Not Applicable Complete
4D703FAF-4BB7-4C97-B3E7-E2BCBFA67A8C XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination XXX-Client provided ATR QM status determination of XXX. XXX-Received ATR QM Status of XXX, Exception satisfied. (No Data) Not Applicable Complete
4D703FAF-4BB7-4C97-B3E7-E2BCBFA67A8C XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/RP C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing VA LGC (No Data) (No Data) (No Data) Not Applicable Complete
4D703FAF-4BB7-4C97-B3E7-E2BCBFA67A8C XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/RP C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3478 TRID - Written List of Providers not compliant No Written List of Providers not compliant only the phone number is listed. The Address and or email contact must be provided. (No Data) (No Data) (No Data) Not Applicable Complete
ECDD5221-D87C-46E9-897D-057EF3E2FC53 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR XXXfactors. Loan approved as No Ratio loan, XXX was not stated or verified. ATR/QM worksheet states XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ECDD5221-D87C-46E9-897D-057EF3E2FC53 XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM4647 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination Yes Review ATR/QM status is: ATR Risk: Non-QM - Lender did not document all ATRXXX factors, XXX status is XXX Loan approved as No Ratio loan, XXX was not stated or verified. Insufficient ATR compensating factors. (No Data) (No Data) (No Data) Not Applicable Complete
61B87C93-EFD8-4B9D-8961-22572F10DBFC XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
61B87C93-EFD8-4B9D-8961-22572F10DBFC XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3626 TRID - CD: Loan consummated before end of waiting period Yes Need proof initial CD XXX was received by borrower XXX days before consummation date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
CAD4E482-F3E8-4D79-9D91-84E56954EDBE XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Lender did not document all ATR UW factors. Income and assets not disclosed or verified, lender's ATR guidelines not provided. 9/19/16 - Loan processed as refinance transaction XXX and closed without fully documenting income, credit or assets or appraisal Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
CAD4E482-F3E8-4D79-9D91-84E56954EDBE XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Lender's status is XXX; review status is ATR Risk: Non-QM - Lender did not document all ATR UW factors. 9/19/16 - Loan processed as refinance transaction XXX and closed without fully documenting income, credit or assets or appraisal 9/19/16 - exception to remain at this time. (No Data) (No Data) Complete
C2AF2990-F403-4390-BF2B-9548563AF9AE XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C2AF2990-F403-4390-BF2B-9548563AF9AE XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2442 Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C4C476A5-1C6D-4D9A-BAA9-AB1453CAFBEC XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No APR per final TIL XXX%, APR calculated by payment stream XXX%, variance XXX% (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C4C476A5-1C6D-4D9A-BAA9-AB1453CAFBEC XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Finance charges disclosed per final TIL $XXX, finance charges calculated by payment stream $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C4C476A5-1C6D-4D9A-BAA9-AB1453CAFBEC XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE given on XXX after XXX days from application on XXX (No Data) (No Data) (No Data) Not Applicable Complete
C4C476A5-1C6D-4D9A-BAA9-AB1453CAFBEC XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2442 Incorrect ROR Form Used - H8 for refi with same lender, 3rd Circuit state (has held H8 to be defective) No The property securing this loan is in the XXX. In XXX the XXX held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind. This decision has not been overturned. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A5C737AE-741E-4055-9E9C-F9498E537F0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing copy of MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
A5C737AE-741E-4055-9E9C-F9498E537F0D XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D283E80B-ABDB-4835-B1AF-7270770E6FBC XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
EF61310D-2A98-4D7E-92ED-3CB95533D809 XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
D90865A9-F577-4D41-936E-B3BF68B1A0E8 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert (No Data) (No Data) (No Data) Not Applicable Complete
BF012C5C-95BE-4CD8-AFD3-6D6B1B082C06 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A B A B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
08EE0FFC-03EC-41D0-BE30-7C7927B85342 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
08EE0FFC-03EC-41D0-BE30-7C7927B85342 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D C D C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) (No Data) Complete
08EE0FFC-03EC-41D0-BE30-7C7927B85342 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) (No Data) Complete
08EE0FFC-03EC-41D0-BE30-7C7927B85342 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
08EE0FFC-03EC-41D0-BE30-7C7927B85342 XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
68DA1645-E98D-4853-BCD4-2B48E0170131 XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
0BEC9C50-FC50-47E2-A45E-428CDCB17019 XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Exempt ATR/QM: Exempt B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing homeowners counseling organizations list. (No Data) (No Data) (No Data) Not Applicable Complete
0BEC9C50-FC50-47E2-A45E-428CDCB17019 XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Exempt ATR/QM: Exempt B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD XXX and PC CD XXX: Transaction Information Section, Seller XXX address missing from Addendum. (No Data) (No Data) (No Data) Not Applicable Complete
0BEC9C50-FC50-47E2-A45E-428CDCB17019 XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Exempt ATR/QM: Exempt B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3970 TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. No CD XXX : Loan Disclosures section, Partial Payments, no selection made for Partial Payments. Corrected on PC CD XXX .Exception satisfied. (No Data) (No Data) Non-Numeric Not Applicable Complete
0BEC9C50-FC50-47E2-A45E-428CDCB17019 XXXXXX XXXXXX XXXXXX XXXXXX TX ATR/QM: Exempt ATR/QM: Exempt B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD XXX: Loan Cost Section, (B ) Services You cannot shop For, Final Inspection Fee missing payee. Corrected on CD XXX. Exception satisfied. (No Data) (No Data) Hybrid Not Applicable Complete